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 | 51,286,000 | 61,657,000 | 64,504,000 | 71,775,000 |
| Total loans | 32,484,000 | 32,198,000 | 32,985,000 | 32,458,000 |
| Allowance for loan losses | 393,000 | 416,000 | 417,000 | 395,000 |
| Securities available for sale | 6,399,000 | 12,466,000 | 13,575,000 | 17,446,000 |
| Securities held to maturity | 4,334,000 | 4,263,000 | 3,858,000 | 4,122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,978,000 | 57,454,000 | 60,033,000 | 67,447,000 |
| Interest-bearing deposits | 37,905,000 | 47,067,000 | 49,790,000 | 55,560,000 |
| Noninterest-bearing deposits | 9,073,000 | 10,387,000 | 10,243,000 | 11,887,000 |
| Equity capital | 4,223,000 | 4,099,000 | 4,394,000 | 4,235,000 |
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 | 655,000 | 1,309,000 | 2,030,000 | 2,791,000 |
| Interest expense | 130,000 | 250,000 | 376,000 | 543,000 |
| Net interest income | 525,000 | 1,059,000 | 1,654,000 | 2,248,000 |
| Noninterest income | 137,000 | 276,000 | 445,000 | 576,000 |
| Noninterest expense | 461,000 | 918,000 | 1,411,000 | 2,046,000 |
| Provision for loan losses | 18,000 | 45,000 | 72,000 | 144,000 |
| Pretax income | 183,000 | 372,000 | 616,000 | 634,000 |
| Income tax | 9,000 | 19,000 | 31,000 | 32,000 |
| Net income | 174,000 | 353,000 | 585,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,124,000 | 4,176,000 | 4,363,000 | 4,332,000 |
| Total capital | 4,517,000 | 4,592,000 | 4,780,000 | 4,727,000 |
| Risk-weighted assets | 31,889,000 | 34,063,000 | 35,932,000 | 36,821,000 |