Call reports 2010
LEGACY BANK — 2010
What LEGACY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 88,615,000 | 90,957,000 | 88,940,000 | 83,053,000 |
| Total loans | 65,997,000 | 66,357,000 | 65,534,000 | 63,022,000 |
| Allowance for loan losses | 1,014,000 | 935,000 | 1,562,000 | 1,154,000 |
| Securities available for sale | 6,756,000 | 7,750,000 | 7,499,000 | 7,744,000 |
| Securities held to maturity | 3,850,000 | 3,065,000 | 3,130,000 | 3,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,640,000 | 82,875,000 | 81,436,000 | 75,505,000 |
| Interest-bearing deposits | 62,397,000 | 62,253,000 | 60,583,000 | 55,440,000 |
| Noninterest-bearing deposits | 18,243,000 | 20,622,000 | 20,853,000 | 20,064,000 |
| Equity capital | 7,881,000 | 7,962,000 | 7,422,000 | 7,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,119,000 | 3,176,000 | 4,147,000 |
| Interest expense | 172,000 | 336,000 | 491,000 | 630,000 |
| Net interest income | 889,000 | 1,783,000 | 2,685,000 | 3,517,000 |
| Noninterest income | 221,000 | 454,000 | 825,000 | 1,053,000 |
| Noninterest expense | 928,000 | 1,839,000 | 2,857,000 | 3,797,000 |
| Provision for loan losses | 60,000 | 185,000 | 910,000 | 1,010,000 |
| Pretax income | 122,000 | 213,000 | -257,000 | -237,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 0 |
| Net income | 116,000 | 202,000 | -274,000 | -237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,796,000 | 7,882,000 | 7,342,000 | 7,370,000 |
| Total capital | 8,600,000 | 8,690,000 | 8,146,000 | 8,141,000 |
| Risk-weighted assets | 64,144,000 | 64,507,000 | 63,588,000 | 61,308,000 |