Call reports 2006
LEGACY BANKS — 2006
What LEGACY BANKS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 756,884,000 | 771,360,000 | 768,230,000 | 771,327,000 |
| Total loans | 562,317,000 | 578,269,000 | 580,202,000 | 583,479,000 |
| Allowance for loan losses | 4,463,000 | 4,693,000 | 4,691,000 | 4,676,000 |
| Securities available for sale | 131,213,000 | 128,714,000 | 129,614,000 | 128,973,000 |
| Securities held to maturity | 97,000 | 97,000 | 97,000 | 97,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 487,511,000 | 498,867,000 | 512,236,000 | 522,672,000 |
| Interest-bearing deposits | 439,194,000 | 447,441,000 | 457,444,000 | 468,458,000 |
| Noninterest-bearing deposits | 48,317,000 | 51,426,000 | 54,792,000 | 54,214,000 |
| Equity capital | 98,609,000 | 99,085,000 | 97,575,000 | 98,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,118,000 | 20,606,000 | 31,505,000 | 42,717,000 |
| Interest expense | 4,313,000 | 9,219,000 | 14,617,000 | 20,339,000 |
| Net interest income | 5,805,000 | 11,387,000 | 16,888,000 | 22,378,000 |
| Noninterest income | 884,000 | 1,810,000 | 2,827,000 | 4,566,000 |
| Noninterest expense | 5,188,000 | 10,336,000 | 15,248,000 | 20,840,000 |
| Provision for loan losses | 164,000 | 340,000 | 245,000 | 233,000 |
| Pretax income | 1,377,000 | 2,687,000 | 4,374,000 | 4,135,000 |
| Income tax | 498,000 | 974,000 | 1,579,000 | 1,462,000 |
| Net income | 879,000 | 1,713,000 | 2,795,000 | 2,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,977,000 | 98,017,000 | 95,312,000 | 95,825,000 |
| Total capital | 102,244,000 | 103,388,000 | 100,669,000 | 101,280,000 |
| Risk-weighted assets | 514,053,000 | 530,215,000 | 530,607,000 | 535,104,000 |