Call reports 2012
LEGENDS BANK — 2012
What LEGENDS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 361,436,000 | 362,509,000 | 358,314,000 | 361,530,000 |
| Total loans | 230,641,000 | 232,453,000 | 242,071,000 | 249,920,000 |
| Allowance for loan losses | 2,869,000 | 3,256,000 | 2,989,000 | 2,928,000 |
| Securities available for sale | 78,722,000 | 86,887,000 | 89,895,000 | 81,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,285,000 | 310,624,000 | 305,149,000 | 301,159,000 |
| Interest-bearing deposits | 262,106,000 | 267,260,000 | 257,269,000 | 254,036,000 |
| Noninterest-bearing deposits | 45,179,000 | 43,364,000 | 47,880,000 | 47,123,000 |
| Equity capital | 31,313,000 | 32,458,000 | 33,350,000 | 34,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,262,000 | 8,484,000 | 12,843,000 | 17,126,000 |
| Interest expense | 1,126,000 | 2,145,000 | 3,063,000 | 3,853,000 |
| Net interest income | 3,136,000 | 6,339,000 | 9,780,000 | 13,273,000 |
| Noninterest income | 438,000 | 954,000 | 1,475,000 | 2,070,000 |
| Noninterest expense | 2,700,000 | 5,287,000 | 8,282,000 | 10,974,000 |
| Provision for loan losses | 375,000 | 825,000 | 1,050,000 | 1,785,000 |
| Pretax income | 879,000 | 1,938,000 | 2,892,000 | 3,954,000 |
| Income tax | 257,000 | 517,000 | 717,000 | 727,000 |
| Net income | 622,000 | 1,421,000 | 2,175,000 | 3,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,815,000 | 30,672,000 | 31,483,000 | 32,591,000 |
| Total capital | 32,684,000 | 33,928,000 | 34,472,000 | 35,519,000 |
| Risk-weighted assets | 266,229,000 | 269,503,000 | 275,433,000 | 282,830,000 |