Call reports 2007
LEGACY BANKS — 2007
What LEGACY BANKS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 790,030,000 | 811,432,000 | 828,281,000 | 897,865,000 |
| Total loans | 599,594,000 | 621,380,000 | 635,553,000 | 659,593,000 |
| Allowance for loan losses | 4,864,000 | 5,043,000 | 5,158,000 | 5,568,000 |
| Securities available for sale | 128,643,000 | 120,351,000 | 117,410,000 | 118,587,000 |
| Securities held to maturity | 97,000 | 97,000 | 97,000 | 97,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,498,000 | 554,102,000 | 542,619,000 | 611,532,000 |
| Interest-bearing deposits | 467,732,000 | 500,388,000 | 490,651,000 | 547,283,000 |
| Noninterest-bearing deposits | 52,766,000 | 53,714,000 | 51,968,000 | 64,249,000 |
| Equity capital | 98,977,000 | 95,375,000 | 96,467,000 | 96,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,596,000 | 23,820,000 | 36,115,000 | 48,685,000 |
| Interest expense | 5,902,000 | 12,414,000 | 19,158,000 | 26,144,000 |
| Net interest income | 5,694,000 | 11,406,000 | 16,957,000 | 22,541,000 |
| Noninterest income | 864,000 | 1,891,000 | 3,047,000 | 4,383,000 |
| Noninterest expense | 5,884,000 | 11,953,000 | 18,223,000 | 26,120,000 |
| Provision for loan losses | 245,000 | 438,000 | 598,000 | 1,051,000 |
| Pretax income | 517,000 | 1,299,000 | 1,742,000 | 263,000 |
| Income tax | 205,000 | 466,000 | 601,000 | -271,000 |
| Net income | 312,000 | 833,000 | 1,141,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,937,000 | 92,666,000 | 93,166,000 | 82,937,000 |
| Total capital | 101,517,000 | 98,541,000 | 99,162,000 | 89,183,000 |
| Risk-weighted assets | 557,226,000 | 584,450,000 | 600,138,000 | 640,811,000 |