Call reports 2013
UNITED LEGACY BANK — 2013
What UNITED LEGACY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 209,032,000 | 200,056,000 | 213,675,000 | 216,567,000 |
| Total loans | 129,602,000 | 132,969,000 | 136,558,000 | 145,275,000 |
| Allowance for loan losses | 2,249,000 | 2,112,000 | 2,132,000 | 2,072,000 |
| Securities available for sale | 43,527,000 | 40,612,000 | 42,518,000 | 42,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,966,000 | 177,765,000 | 183,970,000 | 184,514,000 |
| Interest-bearing deposits | 147,657,000 | 140,614,000 | 143,281,000 | 143,576,000 |
| Noninterest-bearing deposits | 38,310,000 | 37,150,000 | 40,689,000 | 40,938,000 |
| Equity capital | 22,844,000 | 22,027,000 | 21,935,000 | 21,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,768,000 | 3,571,000 | 5,524,000 | 7,511,000 |
| Interest expense | 237,000 | 454,000 | 668,000 | 887,000 |
| Net interest income | 1,531,000 | 3,117,000 | 4,856,000 | 6,624,000 |
| Noninterest income | 134,000 | 297,000 | 415,000 | 565,000 |
| Noninterest expense | 1,478,000 | 2,993,000 | 4,538,000 | 6,117,000 |
| Provision for loan losses | 45,000 | 119,000 | 199,000 | 308,000 |
| Pretax income | 142,000 | 302,000 | 534,000 | 764,000 |
| Income tax | 61,000 | 131,000 | 227,000 | 319,000 |
| Net income | 81,000 | 171,000 | 307,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,576,000 | 19,093,000 | 19,352,000 | 19,609,000 |
| Total capital | 20,597,000 | 21,020,000 | 21,326,000 | 21,681,000 |
| Risk-weighted assets | 161,448,000 | 153,957,000 | 157,724,000 | 166,094,000 |