Call reports 2008
LEGENCE BANK — 2008
What LEGENCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 151,411,000 | 158,082,000 | 152,994,000 | 161,522,000 |
| Total loans | 98,089,000 | 101,492,000 | 103,130,000 | 103,247,000 |
| Allowance for loan losses | 1,808,000 | 1,543,000 | 1,659,000 | 1,705,000 |
| Securities available for sale | 31,988,000 | 33,528,000 | 33,197,000 | 35,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,927,000 | 122,224,000 | 120,659,000 | 123,612,000 |
| Interest-bearing deposits | 115,310,000 | 110,922,000 | 110,607,000 | 113,484,000 |
| Noninterest-bearing deposits | 9,616,000 | 11,302,000 | 10,052,000 | 10,128,000 |
| Equity capital | 14,629,000 | 14,106,000 | 14,377,000 | 15,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,252,000 | 7,965,000 | 10,647,000 |
| Interest expense | 1,080,000 | 2,026,000 | 2,935,000 | 3,835,000 |
| Net interest income | 1,549,000 | 3,226,000 | 5,030,000 | 6,812,000 |
| Noninterest income | 921,000 | 1,729,000 | 2,467,000 | 3,115,000 |
| Noninterest expense | 1,724,000 | 3,520,000 | 5,895,000 | 7,583,000 |
| Provision for loan losses | 129,000 | 758,000 | 887,000 | 1,024,000 |
| Pretax income | 617,000 | 677,000 | 715,000 | 1,320,000 |
| Income tax | 34,000 | 24,000 | -1,000 | 6,000 |
| Net income | 583,000 | 653,000 | 716,000 | 1,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,592,000 | 11,662,000 | 12,001,000 | 12,597,000 |
| Total capital | 12,896,000 | 13,110,000 | 13,366,000 | 14,001,000 |
| Risk-weighted assets | 103,786,000 | 115,780,000 | 108,898,000 | 112,017,000 |
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