Call reports 2009
LEGACY BANK — 2009
What LEGACY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 88,183,000 | 94,009,000 | 87,568,000 | 87,647,000 |
| Total loans | 64,577,000 | 64,682,000 | 65,562,000 | 65,589,000 |
| Allowance for loan losses | 1,054,000 | 949,000 | 979,000 | 968,000 |
| Securities available for sale | 7,576,000 | 13,054,000 | 10,795,000 | 9,761,000 |
| Securities held to maturity | 6,210,000 | 3,820,000 | 4,005,000 | 3,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,303,000 | 86,083,000 | 79,687,000 | 79,690,000 |
| Interest-bearing deposits | 62,287,000 | 66,521,000 | 61,730,000 | 60,609,000 |
| Noninterest-bearing deposits | 18,016,000 | 19,562,000 | 17,957,000 | 19,082,000 |
| Equity capital | 7,716,000 | 7,701,000 | 7,760,000 | 7,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,192,000 | 2,329,000 | 3,387,000 | 4,479,000 |
| Interest expense | 322,000 | 608,000 | 853,000 | 1,068,000 |
| Net interest income | 870,000 | 1,721,000 | 2,534,000 | 3,411,000 |
| Noninterest income | 259,000 | 551,000 | 782,000 | 1,082,000 |
| Noninterest expense | 881,000 | 1,841,000 | 2,734,000 | 3,747,000 |
| Provision for loan losses | 75,000 | 256,000 | 331,000 | 406,000 |
| Pretax income | 174,000 | 176,000 | 252,000 | 358,000 |
| Income tax | 9,000 | 9,000 | 13,000 | 18,000 |
| Net income | 165,000 | 167,000 | 239,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,619,000 | 7,621,000 | 7,693,000 | 7,794,000 |
| Total capital | 8,438,000 | 8,437,000 | 8,487,000 | 8,595,000 |
| Risk-weighted assets | 65,320,000 | 65,171,000 | 63,364,000 | 63,907,000 |