Call reports 2006
LEGACY BANK — 2006
What LEGACY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 72,967,000 | 77,253,000 | 71,904,000 | 75,109,000 |
| Total loans | 39,944,000 | 42,122,000 | 43,415,000 | 48,134,000 |
| Allowance for loan losses | 479,000 | 505,000 | 521,000 | 518,000 |
| Securities available for sale | 17,186,000 | 20,153,000 | 16,594,000 | 13,900,000 |
| Securities held to maturity | 5,804,000 | 5,265,000 | 5,365,000 | 5,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,975,000 | 72,140,000 | 65,474,000 | 69,739,000 |
| Interest-bearing deposits | 56,294,000 | 58,508,000 | 53,517,000 | 56,704,000 |
| Noninterest-bearing deposits | 11,680,000 | 13,632,000 | 11,957,000 | 13,035,000 |
| Equity capital | 4,865,000 | 4,971,000 | 5,241,000 | 5,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,955,000 | 2,945,000 | 4,019,000 |
| Interest expense | 201,000 | 481,000 | 828,000 | 1,300,000 |
| Net interest income | 721,000 | 1,474,000 | 2,117,000 | 2,719,000 |
| Noninterest income | 127,000 | 254,000 | 401,000 | 544,000 |
| Noninterest expense | 515,000 | 1,053,000 | 1,610,000 | 2,362,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 303,000 | 615,000 | 818,000 | 781,000 |
| Income tax | 15,000 | 30,000 | 41,000 | 39,000 |
| Net income | 288,000 | 585,000 | 777,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,170,000 | 5,298,000 | 5,399,000 | 5,293,000 |
| Total capital | 5,649,000 | 5,803,000 | 5,920,000 | 5,811,000 |
| Risk-weighted assets | 45,455,000 | 47,080,000 | 48,113,000 | 51,550,000 |