Call reports 2008
LEGACY BANK & TRUST COMPANY — 2008
What LEGACY BANK & TRUST COMPANY 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 | 122,186,000 | 128,603,000 | 134,813,000 | 135,943,000 |
| Total loans | 91,776,000 | 97,269,000 | 103,117,000 | 105,587,000 |
| Allowance for loan losses | 1,363,000 | 1,477,000 | 1,559,000 | 1,498,000 |
| Securities available for sale | 15,869,000 | 15,557,000 | 15,834,000 | 15,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,044,000 | 93,659,000 | 97,805,000 | 94,636,000 |
| Interest-bearing deposits | 85,152,000 | 85,667,000 | 90,704,000 | 87,922,000 |
| Noninterest-bearing deposits | 7,892,000 | 7,992,000 | 7,101,000 | 6,714,000 |
| Equity capital | 13,661,000 | 13,462,000 | 13,548,000 | 13,337,000 |
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 | 2,055,000 | 4,015,000 | 5,999,000 | 7,970,000 |
| Interest expense | 983,000 | 1,901,000 | 2,796,000 | 3,640,000 |
| Net interest income | 1,072,000 | 2,114,000 | 3,203,000 | 4,330,000 |
| Noninterest income | 131,000 | 304,000 | 464,000 | 616,000 |
| Noninterest expense | 922,000 | 1,906,000 | 2,968,000 | 4,051,000 |
| Provision for loan losses | 94,000 | 203,000 | 311,000 | 434,000 |
| Pretax income | 193,000 | 315,000 | 394,000 | 487,000 |
| Income tax | -46,000 | -21,000 | -6,000 | 21,000 |
| Net income | 239,000 | 336,000 | 400,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,418,000 | 10,386,000 | 10,461,000 | 10,215,000 |
| Total capital | 11,575,000 | 11,604,000 | 11,707,000 | 11,532,000 |
| Risk-weighted assets | 91,583,000 | 97,645,000 | 100,242,000 | 105,199,000 |
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