Call reports 2007
LEGACY BANK — 2007
What LEGACY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 77,691,000 | 77,807,000 | 73,915,000 | 88,058,000 |
| Total loans | 53,546,000 | 56,620,000 | 55,897,000 | 57,891,000 |
| Allowance for loan losses | 561,000 | 586,000 | 626,000 | 671,000 |
| Securities available for sale | 12,697,000 | 9,676,000 | 6,264,000 | 6,300,000 |
| Securities held to maturity | 5,860,000 | 5,101,000 | 5,501,000 | 5,656,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,569,000 | 64,755,000 | 65,195,000 | 82,005,000 |
| Interest-bearing deposits | 54,332,000 | 49,959,000 | 49,126,000 | 62,544,000 |
| Noninterest-bearing deposits | 13,237,000 | 14,796,000 | 16,069,000 | 19,461,000 |
| Equity capital | 5,413,000 | 5,594,000 | 5,833,000 | 5,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,114,000 | 2,332,000 | 3,533,000 | 4,819,000 |
| Interest expense | 442,000 | 901,000 | 1,363,000 | 1,836,000 |
| Net interest income | 672,000 | 1,431,000 | 2,170,000 | 2,983,000 |
| Noninterest income | 121,000 | 276,000 | 425,000 | 558,000 |
| Noninterest expense | 574,000 | 1,148,000 | 1,739,000 | 2,562,000 |
| Provision for loan losses | 45,000 | 105,000 | 205,000 | 275,000 |
| Pretax income | 174,000 | 454,000 | 650,000 | 703,000 |
| Income tax | 9,000 | 23,000 | 33,000 | 35,000 |
| Net income | 165,000 | 431,000 | 617,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,458,000 | 5,663,000 | 5,816,000 | 5,763,000 |
| Total capital | 6,018,000 | 6,249,000 | 6,442,000 | 6,434,000 |
| Risk-weighted assets | 54,842,000 | 57,675,000 | 55,374,000 | 59,283,000 |