Call reports 2012
UNITED LEGACY BANK — 2012
What UNITED LEGACY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 208,237,000 | 203,308,000 | 206,660,000 | 208,081,000 |
| Total loans | 121,915,000 | 124,808,000 | 124,473,000 | 132,677,000 |
| Allowance for loan losses | 2,849,000 | 2,523,000 | 2,334,000 | 2,286,000 |
| Securities available for sale | 47,410,000 | 43,376,000 | 43,344,000 | 43,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,954,000 | 180,448,000 | 183,658,000 | 185,212,000 |
| Interest-bearing deposits | 158,456,000 | 152,100,000 | 154,697,000 | 148,816,000 |
| Noninterest-bearing deposits | 27,498,000 | 28,348,000 | 28,961,000 | 36,395,000 |
| Equity capital | 22,133,000 | 22,661,000 | 22,811,000 | 22,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,721,000 | 3,499,000 | 5,295,000 | 7,104,000 |
| Interest expense | 388,000 | 711,000 | 995,000 | 1,264,000 |
| Net interest income | 1,333,000 | 2,788,000 | 4,300,000 | 5,840,000 |
| Noninterest income | 50,000 | 159,000 | 297,000 | 477,000 |
| Noninterest expense | 1,504,000 | 3,013,000 | 4,570,000 | 6,073,000 |
| Provision for loan losses | 115,000 | 239,000 | 519,000 | 742,000 |
| Pretax income | 32,000 | 83,000 | 257,000 | 330,000 |
| Income tax | 28,000 | -91,000 | -170,000 | -293,000 |
| Net income | 4,000 | 174,000 | 427,000 | 623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,967,000 | 18,247,000 | 18,372,000 | 18,274,000 |
| Total capital | 19,735,000 | 20,147,000 | 20,289,000 | 20,302,000 |
| Risk-weighted assets | 140,392,000 | 151,364,000 | 152,922,000 | 161,952,000 |