Call reports 2009
LEGACY BANK & TRUST COMPANY — 2009
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 140,583,000 | 137,894,000 | 137,554,000 | 133,603,000 |
| Total loans | 105,551,000 | 106,075,000 | 102,138,000 | 100,902,000 |
| Allowance for loan losses | 1,566,000 | 1,669,000 | 1,656,000 | 1,938,000 |
| Securities available for sale | 14,817,000 | 14,682,000 | 14,489,000 | 13,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,784,000 | 109,721,000 | 109,688,000 | 109,124,000 |
| Interest-bearing deposits | 101,605,000 | 102,849,000 | 103,453,000 | 101,690,000 |
| Noninterest-bearing deposits | 7,179,000 | 6,872,000 | 6,235,000 | 7,434,000 |
| Equity capital | 13,454,000 | 13,243,000 | 13,114,000 | 12,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,886,000 | 3,695,000 | 5,517,000 | 7,259,000 |
| Interest expense | 757,000 | 1,509,000 | 2,222,000 | 2,879,000 |
| Net interest income | 1,129,000 | 2,186,000 | 3,295,000 | 4,380,000 |
| Noninterest income | 152,000 | 300,000 | 434,000 | 507,000 |
| Noninterest expense | 1,044,000 | 2,101,000 | 3,150,000 | 4,221,000 |
| Provision for loan losses | 108,000 | 216,000 | 875,000 | 1,788,000 |
| Pretax income | 129,000 | 284,000 | -152,000 | -966,000 |
| Income tax | 49,000 | 104,000 | 16,000 | -249,000 |
| Net income | 80,000 | 180,000 | -168,000 | -717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,257,000 | 10,169,000 | 9,933,000 | 9,496,000 |
| Total capital | 11,575,000 | 11,433,000 | 11,200,000 | 10,753,000 |
| Risk-weighted assets | 104,534,000 | 101,322,000 | 101,504,000 | 100,050,000 |
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