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 | 48,907,000 | 53,795,000 | 50,165,000 | 54,873,000 |
| Total loans | 30,031,000 | 31,562,000 | 32,113,000 | 31,900,000 |
| Allowance for loan losses | 369,000 | 386,000 | 397,000 | 380,000 |
| Securities available for sale | 3,755,000 | 3,348,000 | 4,640,000 | 5,884,000 |
| Securities held to maturity | 2,603,000 | 3,667,000 | 3,806,000 | 4,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,806,000 | 49,660,000 | 45,677,000 | 50,747,000 |
| Interest-bearing deposits | 36,125,000 | 39,522,000 | 36,146,000 | 39,625,000 |
| Noninterest-bearing deposits | 8,681,000 | 10,138,000 | 9,531,000 | 11,122,000 |
| Equity capital | 3,987,000 | 4,022,000 | 4,159,000 | 4,035,000 |
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 | 681,000 | 1,370,000 | 2,037,000 | 2,689,000 |
| Interest expense | 157,000 | 319,000 | 473,000 | 622,000 |
| Net interest income | 524,000 | 1,051,000 | 1,564,000 | 2,067,000 |
| Noninterest income | 157,000 | 304,000 | 502,000 | 652,000 |
| Noninterest expense | 418,000 | 861,000 | 1,342,000 | 2,000,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 245,000 | 458,000 | 670,000 | 647,000 |
| Income tax | 12,000 | 23,000 | 34,000 | 32,000 |
| Net income | 233,000 | 435,000 | 636,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,886,000 | 3,928,000 | 4,069,000 | 3,950,000 |
| Total capital | 4,245,000 | 4,314,000 | 4,454,000 | 4,330,000 |
| Risk-weighted assets | 28,692,000 | 31,016,000 | 30,824,000 | 31,971,000 |