Call reports 2003
LEGACY BANKS — 2003
What LEGACY BANKS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 591,498,000 | 603,874,000 | 632,399,000 | 632,585,000 |
| Total loans | 389,381,000 | 425,890,000 | 460,453,000 | 469,555,000 |
| Allowance for loan losses | 3,114,000 | 3,310,000 | 3,544,000 | 3,620,000 |
| Securities available for sale | 146,682,000 | 123,345,000 | 117,060,000 | 110,125,000 |
| Securities held to maturity | 224,000 | 224,000 | 224,000 | 161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,742,000 | 416,521,000 | 422,261,000 | 423,209,000 |
| Interest-bearing deposits | 373,442,000 | 364,638,000 | 370,506,000 | 373,334,000 |
| Noninterest-bearing deposits | 47,300,000 | 51,883,000 | 51,755,000 | 49,875,000 |
| Equity capital | 52,092,000 | 53,617,000 | 53,764,000 | 54,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,519,000 | 15,196,000 | 22,920,000 | 30,535,000 |
| Interest expense | 3,152,000 | 6,026,000 | 8,911,000 | 11,852,000 |
| Net interest income | 4,367,000 | 9,170,000 | 14,009,000 | 18,683,000 |
| Noninterest income | 937,000 | 1,916,000 | 2,924,000 | 3,950,000 |
| Noninterest expense | 4,026,000 | 8,557,000 | 12,745,000 | 16,945,000 |
| Provision for loan losses | 69,000 | 280,000 | 692,000 | 979,000 |
| Pretax income | 1,195,000 | 2,193,000 | 3,425,000 | 4,738,000 |
| Income tax | 1,125,000 | 783,000 | 1,226,000 | 1,736,000 |
| Net income | 70,000 | 1,410,000 | 2,199,000 | 3,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,636,000 | 49,199,000 | 49,994,000 | 50,798,000 |
| Total capital | 50,750,000 | 52,511,000 | 53,605,000 | 54,538,000 |
| Risk-weighted assets | 361,178,000 | 382,720,000 | 417,083,000 | 427,625,000 |