Call reports 2003
LEGACY BANK — 2003
What LEGACY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 223,561,000 | 219,947,000 | 226,185,000 | 225,314,000 |
| Total loans | 113,268,000 | 110,991,000 | 103,859,000 | 102,389,000 |
| Allowance for loan losses | 2,304,000 | 2,323,000 | 2,437,000 | 2,442,000 |
| Securities available for sale | 94,500,000 | 97,741,000 | 113,246,000 | 109,213,000 |
| Securities held to maturity | 86,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,098,000 | 169,637,000 | 166,631,000 | 176,205,000 |
| Interest-bearing deposits | 156,896,000 | 152,908,000 | 149,541,000 | 157,079,000 |
| Noninterest-bearing deposits | 18,202,000 | 16,729,000 | 17,090,000 | 19,126,000 |
| Equity capital | 47,278,000 | 48,950,000 | 48,757,000 | 48,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,828,000 | 5,767,000 | 8,839,000 | 11,764,000 |
| Interest expense | 1,043,000 | 2,075,000 | 3,019,000 | 3,880,000 |
| Net interest income | 1,785,000 | 3,692,000 | 5,820,000 | 7,884,000 |
| Noninterest income | 79,000 | 178,000 | 261,000 | 362,000 |
| Noninterest expense | 965,000 | 1,973,000 | 2,939,000 | 4,223,000 |
| Provision for loan losses | 53,000 | 105,000 | 158,000 | 210,000 |
| Pretax income | 866,000 | 1,804,000 | 2,980,000 | 3,808,000 |
| Income tax | 206,000 | 438,000 | 761,000 | 951,000 |
| Net income | 660,000 | 1,366,000 | 2,219,000 | 2,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,294,000 | 46,000,000 | 46,853,000 | 46,498,000 |
| Total capital | 47,093,000 | 47,773,000 | 48,577,000 | 48,211,000 |
| Risk-weighted assets | 143,422,000 | 141,282,000 | 137,202,000 | 136,278,000 |
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