Call reports 2007
LEGACY BANK & TRUST COMPANY — 2007
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 112,424,000 | 113,486,000 | 111,078,000 | 117,902,000 |
| Total loans | 86,182,000 | 84,671,000 | 84,120,000 | 87,836,000 |
| Allowance for loan losses | 1,438,000 | 1,383,000 | 1,248,000 | 1,283,000 |
| Securities available for sale | 15,218,000 | 16,157,000 | 15,734,000 | 16,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,960,000 | 90,146,000 | 90,203,000 | 87,388,000 |
| Interest-bearing deposits | 79,983,000 | 82,554,000 | 81,727,000 | 79,331,000 |
| Noninterest-bearing deposits | 7,977,000 | 7,592,000 | 8,476,000 | 8,057,000 |
| Equity capital | 12,977,000 | 13,042,000 | 13,370,000 | 13,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,984,000 | 4,008,000 | 6,041,000 | 8,058,000 |
| Interest expense | 916,000 | 1,878,000 | 2,848,000 | 3,850,000 |
| Net interest income | 1,068,000 | 2,130,000 | 3,193,000 | 4,208,000 |
| Noninterest income | 151,000 | 305,000 | 466,000 | 634,000 |
| Noninterest expense | 793,000 | 1,611,000 | 2,445,000 | 3,365,000 |
| Provision for loan losses | 63,000 | 126,000 | 199,000 | 335,000 |
| Pretax income | 356,000 | 691,000 | 1,008,000 | 1,144,000 |
| Income tax | 59,000 | 195,000 | 322,000 | 322,000 |
| Net income | 297,000 | 496,000 | 686,000 | 822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,786,000 | 9,997,000 | 10,198,000 | 10,246,000 |
| Total capital | 10,835,000 | 11,039,000 | 11,236,000 | 11,347,000 |
| Risk-weighted assets | 82,790,000 | 82,256,000 | 82,086,000 | 87,140,000 |
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