Call reports 2004
LEGENDS WEST BANK — 2004
What LEGENDS WEST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,378,000 | 20,282,000 | 20,175,000 | 20,318,000 |
| Total loans | 10,914,000 | 11,534,000 | 12,258,000 | 12,095,000 |
| Allowance for loan losses | 168,000 | 173,000 | 173,000 | 154,000 |
| Securities available for sale | 5,060,000 | 5,481,000 | 5,488,000 | 5,196,000 |
| Securities held to maturity | 85,000 | 83,000 | 82,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,159,000 | 15,048,000 | 14,787,000 | 15,039,000 |
| Interest-bearing deposits | 14,662,000 | 13,476,000 | 13,382,000 | 13,235,000 |
| Noninterest-bearing deposits | 1,498,000 | 1,572,000 | 1,405,000 | 1,804,000 |
| Equity capital | 5,056,000 | 5,103,000 | 5,234,000 | 5,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 624,000 | 924,000 | 1,227,000 |
| Interest expense | 57,000 | 109,000 | 157,000 | 210,000 |
| Net interest income | 279,000 | 515,000 | 767,000 | 1,017,000 |
| Noninterest income | 30,000 | 57,000 | 83,000 | 104,000 |
| Noninterest expense | 118,000 | 250,000 | 413,000 | 846,000 |
| Provision for loan losses | -170,000 | -170,000 | -170,000 | -189,000 |
| Pretax income | 361,000 | 492,000 | 607,000 | 464,000 |
| Income tax | 60,000 | 69,000 | 78,000 | 111,000 |
| Net income | 301,000 | 423,000 | 529,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,966,000 | 5,088,000 | 5,194,000 | 5,008,000 |
| Total capital | 5,134,000 | 5,261,000 | 5,367,000 | 5,162,000 |
| Risk-weighted assets | 13,720,000 | 13,811,000 | 14,302,000 | 13,941,000 |