Call reports 2005
LEGACY BANK — 2005
What LEGACY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 65,655,000 | 64,955,000 | 65,830,000 | 78,028,000 |
| Total loans | 31,823,000 | 35,772,000 | 36,978,000 | 38,416,000 |
| Allowance for loan losses | 417,000 | 418,000 | 431,000 | 452,000 |
| Securities available for sale | 18,187,000 | 17,572,000 | 17,728,000 | 17,201,000 |
| Securities held to maturity | 4,836,000 | 4,570,000 | 4,925,000 | 5,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,319,000 | 60,329,000 | 57,016,000 | 73,310,000 |
| Interest-bearing deposits | 50,984,000 | 49,243,000 | 45,871,000 | 59,429,000 |
| Noninterest-bearing deposits | 10,335,000 | 11,086,000 | 11,145,000 | 13,881,000 |
| Equity capital | 4,250,000 | 4,508,000 | 4,584,000 | 4,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,581,000 | 2,372,000 | 3,264,000 |
| Interest expense | 134,000 | 302,000 | 483,000 | 705,000 |
| Net interest income | 627,000 | 1,279,000 | 1,889,000 | 2,559,000 |
| Noninterest income | 127,000 | 256,000 | 425,000 | 569,000 |
| Noninterest expense | 488,000 | 987,000 | 1,516,000 | 2,189,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 236,000 | 488,000 | 708,000 | 819,000 |
| Income tax | 12,000 | 24,000 | 34,000 | 41,000 |
| Net income | 224,000 | 464,000 | 674,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,556,000 | 4,682,000 | 4,853,000 | 4,882,000 |
| Total capital | 4,973,000 | 5,100,000 | 5,284,000 | 5,334,000 |
| Risk-weighted assets | 35,696,000 | 39,220,000 | 41,017,000 | 47,497,000 |