Call reports 2006
LEGACY BANK & TRUST COMPANY — 2006
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 105,270,000 | 107,588,000 | 111,533,000 | 112,231,000 |
| Total loans | 84,031,000 | 85,096,000 | 84,663,000 | 85,812,000 |
| Allowance for loan losses | 1,307,000 | 1,347,000 | 1,372,000 | 1,369,000 |
| Securities available for sale | 12,478,000 | 12,693,000 | 17,342,000 | 16,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,025,000 | 84,139,000 | 85,714,000 | 86,504,000 |
| Interest-bearing deposits | 74,680,000 | 75,893,000 | 78,097,000 | 78,681,000 |
| Noninterest-bearing deposits | 8,345,000 | 8,246,000 | 7,617,000 | 7,823,000 |
| Equity capital | 11,947,000 | 12,110,000 | 12,575,000 | 12,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,768,000 | 3,580,000 | 5,502,000 | 7,503,000 |
| Interest expense | 664,000 | 1,374,000 | 2,191,000 | 3,095,000 |
| Net interest income | 1,104,000 | 2,206,000 | 3,311,000 | 4,408,000 |
| Noninterest income | 171,000 | 319,000 | 468,000 | 626,000 |
| Noninterest expense | 769,000 | 1,572,000 | 2,354,000 | 3,169,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 253,000 |
| Pretax income | 443,000 | 827,000 | 1,236,000 | 1,618,000 |
| Income tax | 192,000 | 375,000 | 548,000 | 698,000 |
| Net income | 251,000 | 452,000 | 688,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,785,000 | 8,998,000 | 9,418,000 | 9,662,000 |
| Total capital | 9,743,000 | 9,975,000 | 10,419,000 | 10,685,000 |
| Risk-weighted assets | 75,508,000 | 77,028,000 | 78,936,000 | 80,723,000 |
Machine access — free, no API key
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