Call reports 2004
LEGACY BANKS — 2004
What LEGACY BANKS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 624,873,000 | 646,962,000 | 685,981,000 | 678,781,000 |
| Total loans | 472,746,000 | 491,682,000 | 506,381,000 | 509,041,000 |
| Allowance for loan losses | 3,446,000 | 3,533,000 | 3,752,000 | 3,666,000 |
| Securities available for sale | 105,913,000 | 101,564,000 | 117,742,000 | 118,633,000 |
| Securities held to maturity | 161,000 | 161,000 | 161,000 | 161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,072,000 | 439,475,000 | 461,221,000 | 452,316,000 |
| Interest-bearing deposits | 372,542,000 | 386,917,000 | 407,132,000 | 402,810,000 |
| Noninterest-bearing deposits | 47,530,000 | 52,558,000 | 54,089,000 | 49,506,000 |
| Equity capital | 55,529,000 | 54,907,000 | 56,645,000 | 57,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,675,000 | 15,373,000 | 23,438,000 | 31,978,000 |
| Interest expense | 2,847,000 | 5,692,000 | 8,787,000 | 12,102,000 |
| Net interest income | 4,828,000 | 9,681,000 | 14,651,000 | 19,876,000 |
| Noninterest income | 872,000 | 1,808,000 | 2,931,000 | 3,927,000 |
| Noninterest expense | 4,296,000 | 8,738,000 | 13,059,000 | 17,534,000 |
| Provision for loan losses | -11,000 | 100,000 | 352,000 | 575,000 |
| Pretax income | 1,462,000 | 2,769,000 | 4,270,000 | 5,824,000 |
| Income tax | 567,000 | 1,061,000 | 1,651,000 | 2,259,000 |
| Net income | 895,000 | 1,708,000 | 2,619,000 | 3,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,693,000 | 52,506,000 | 53,417,000 | 54,363,000 |
| Total capital | 55,506,000 | 56,367,000 | 57,520,000 | 58,603,000 |
| Risk-weighted assets | 420,604,000 | 443,557,000 | 463,604,000 | 466,068,000 |