Call reports 2004
LEGACY BANK — 2004
What LEGACY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 227,687,000 | 225,581,000 | 234,082,000 | 233,048,000 |
| Total loans | 99,935,000 | 96,969,000 | 91,676,000 | 86,011,000 |
| Allowance for loan losses | 2,506,000 | 2,509,000 | 2,538,000 | 2,554,000 |
| Securities available for sale | 112,349,000 | 119,372,000 | 128,961,000 | 132,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,544,000 | 176,864,000 | 182,638,000 | 183,611,000 |
| Interest-bearing deposits | 156,833,000 | 158,170,000 | 161,440,000 | 161,969,000 |
| Noninterest-bearing deposits | 19,711,000 | 18,694,000 | 21,198,000 | 21,642,000 |
| Equity capital | 49,763,000 | 48,062,000 | 50,534,000 | 49,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,944,000 | 5,846,000 | 8,842,000 | 11,986,000 |
| Interest expense | 849,000 | 1,701,000 | 2,567,000 | 3,444,000 |
| Net interest income | 2,095,000 | 4,145,000 | 6,275,000 | 8,542,000 |
| Noninterest income | 122,000 | 247,000 | 368,000 | 596,000 |
| Noninterest expense | 1,070,000 | 2,169,000 | 3,251,000 | 4,399,000 |
| Provision for loan losses | 52,000 | 105,000 | 158,000 | 175,000 |
| Pretax income | 1,073,000 | 2,095,000 | 3,154,000 | 4,475,000 |
| Income tax | 285,000 | 555,000 | 839,000 | 1,214,000 |
| Net income | 788,000 | 1,540,000 | 2,315,000 | 3,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,287,000 | 48,039,000 | 48,814,000 | 48,406,000 |
| Total capital | 48,961,000 | 49,684,000 | 50,410,000 | 49,942,000 |
| Risk-weighted assets | 133,057,000 | 130,730,000 | 126,731,000 | 121,840,000 |
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