Call reports 2005
LEGACY BANK & TRUST COMPANY — 2005
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 94,734,000 | 95,370,000 | 99,361,000 | 102,917,000 |
| Total loans | 68,103,000 | 72,625,000 | 77,326,000 | 81,221,000 |
| Allowance for loan losses | 1,119,000 | 1,103,000 | 1,156,000 | 1,250,000 |
| Securities available for sale | 13,259,000 | 14,234,000 | 14,018,000 | 12,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,963,000 | 78,494,000 | 79,495,000 | 82,583,000 |
| Interest-bearing deposits | 69,962,000 | 69,751,000 | 71,371,000 | 74,130,000 |
| Noninterest-bearing deposits | 8,001,000 | 8,743,000 | 8,124,000 | 8,453,000 |
| Equity capital | 10,923,000 | 11,169,000 | 11,533,000 | 11,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,795,000 | 4,366,000 | 6,035,000 |
| Interest expense | 380,000 | 808,000 | 1,297,000 | 1,868,000 |
| Net interest income | 938,000 | 1,987,000 | 3,069,000 | 4,167,000 |
| Noninterest income | 192,000 | 338,000 | 466,000 | 632,000 |
| Noninterest expense | 701,000 | 1,479,000 | 2,203,000 | 3,296,000 |
| Provision for loan losses | 136,000 | 225,000 | 342,000 | 549,000 |
| Pretax income | 293,000 | 622,000 | 991,000 | 956,000 |
| Income tax | 135,000 | 259,000 | 361,000 | 118,000 |
| Net income | 158,000 | 363,000 | 630,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,670,000 | 8,023,000 | 8,302,000 | 8,522,000 |
| Total capital | 8,460,000 | 8,844,000 | 9,187,000 | 9,443,000 |
| Risk-weighted assets | 62,883,000 | 65,361,000 | 69,746,000 | 73,323,000 |
Machine access — free, no API key
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