Call reports 2005
LEGACY BANKS — 2005
What LEGACY BANKS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 693,039,000 | 705,006,000 | 735,855,000 | 741,823,000 |
| Total loans | 523,611,000 | 524,532,000 | 537,851,000 | 551,847,000 |
| Allowance for loan losses | 3,830,000 | 3,961,000 | 4,016,000 | 4,220,000 |
| Securities available for sale | 115,341,000 | 116,530,000 | 127,725,000 | 136,774,000 |
| Securities held to maturity | 161,000 | 161,000 | 161,000 | 97,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,207,000 | 484,111,000 | 496,672,000 | 475,470,000 |
| Interest-bearing deposits | 418,954,000 | 431,921,000 | 441,101,000 | 422,309,000 |
| Noninterest-bearing deposits | 50,253,000 | 52,190,000 | 55,571,000 | 53,161,000 |
| Equity capital | 57,439,000 | 59,084,000 | 59,868,000 | 97,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,599,000 | 17,561,000 | 26,908,000 | 37,658,000 |
| Interest expense | 3,359,000 | 6,982,000 | 10,915,000 | 15,054,000 |
| Net interest income | 5,240,000 | 10,579,000 | 15,993,000 | 22,604,000 |
| Noninterest income | 857,000 | 1,759,000 | 2,884,000 | 2,497,000 |
| Noninterest expense | 4,370,000 | 8,863,000 | 13,228,000 | 18,663,000 |
| Provision for loan losses | 246,000 | 377,000 | 476,000 | 841,000 |
| Pretax income | 1,523,000 | 3,150,000 | 5,287,000 | 5,532,000 |
| Income tax | 582,000 | 1,206,000 | 2,046,000 | 2,039,000 |
| Net income | 941,000 | 1,944,000 | 3,241,000 | 3,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,305,000 | 56,259,000 | 57,558,000 | 95,861,000 |
| Total capital | 59,671,000 | 60,776,000 | 62,146,000 | 100,794,000 |
| Risk-weighted assets | 466,945,000 | 473,612,000 | 489,922,000 | 504,684,000 |