Call reports 2004
LEGACY BANK & TRUST COMPANY — 2004
What LEGACY BANK & TRUST COMPANY 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 | 34,644,000 | 37,540,000 | 42,408,000 | 45,619,000 |
| Total loans | 25,385,000 | 30,277,000 | 32,677,000 | 36,085,000 |
| Allowance for loan losses | 287,000 | 339,000 | 395,000 | 418,000 |
| Securities available for sale | 2,953,000 | 3,395,000 | 3,418,000 | 3,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,498,000 | 30,149,000 | 33,110,000 | 35,489,000 |
| Interest-bearing deposits | 25,904,000 | 26,655,000 | 29,932,000 | 31,763,000 |
| Noninterest-bearing deposits | 2,594,000 | 3,494,000 | 3,178,000 | 3,726,000 |
| Equity capital | 3,827,000 | 4,034,000 | 4,126,000 | 4,742,000 |
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 | 534,000 | 1,128,000 | 1,783,000 | 2,508,000 |
| Interest expense | 133,000 | 279,000 | 438,000 | 630,000 |
| Net interest income | 401,000 | 849,000 | 1,345,000 | 1,878,000 |
| Noninterest income | 47,000 | 113,000 | 202,000 | 261,000 |
| Noninterest expense | 387,000 | 767,000 | 1,153,000 | 1,544,000 |
| Provision for loan losses | 30,000 | 86,000 | 146,000 | 207,000 |
| Pretax income | 31,000 | 109,000 | 248,000 | 388,000 |
| Income tax | 12,000 | 24,000 | 89,000 | 205,000 |
| Net income | 19,000 | 85,000 | 159,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,252,000 | 2,506,000 | 2,598,000 | 3,240,000 |
| Total capital | 2,539,000 | 2,845,000 | 2,972,000 | 3,654,000 |
| Risk-weighted assets | 23,491,000 | 27,096,000 | 29,902,000 | 33,099,000 |
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