Call reports 2010
LEGACY BANK & TRUST COMPANY — 2010
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 129,755,000 | 131,506,000 | 129,984,000 | 127,145,000 |
| Total loans | 99,464,000 | 96,838,000 | 91,868,000 | 85,498,000 |
| Allowance for loan losses | 1,845,000 | 1,950,000 | 1,723,000 | 1,281,000 |
| Securities available for sale | 12,083,000 | 11,862,000 | 11,548,000 | 10,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,517,000 | 109,012,000 | 107,363,000 | 104,752,000 |
| Interest-bearing deposits | 100,429,000 | 101,943,000 | 99,478,000 | 96,431,000 |
| Noninterest-bearing deposits | 7,088,000 | 7,069,000 | 7,885,000 | 8,321,000 |
| Equity capital | 12,784,000 | 13,036,000 | 13,176,000 | 12,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,294,000 | 4,994,000 | 6,515,000 |
| Interest expense | 525,000 | 1,017,000 | 1,490,000 | 1,913,000 |
| Net interest income | 1,159,000 | 2,277,000 | 3,504,000 | 4,602,000 |
| Noninterest income | 177,000 | 348,000 | 459,000 | 464,000 |
| Noninterest expense | 955,000 | 1,870,000 | 2,846,000 | 3,831,000 |
| Provision for loan losses | 212,000 | 395,000 | 628,000 | 851,000 |
| Pretax income | 169,000 | 360,000 | 489,000 | 407,000 |
| Income tax | 6,000 | 52,000 | 115,000 | 88,000 |
| Net income | 163,000 | 308,000 | 374,000 | 319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,668,000 | 9,821,000 | 9,889,000 | 9,838,000 |
| Total capital | 10,914,000 | 11,006,000 | 11,049,000 | 10,932,000 |
| Risk-weighted assets | 99,105,000 | 94,054,000 | 91,967,000 | 87,336,000 |
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