Call reports 2003
LEGENDS BANK — 2003
What LEGENDS BANK 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 | 144,768,000 | 188,329,000 | 187,588,000 | 186,145,000 |
| Total loans | 97,913,000 | 121,939,000 | 122,381,000 | 121,622,000 |
| Allowance for loan losses | 609,000 | 942,000 | 905,000 | 947,000 |
| Securities available for sale | 8,427,000 | 8,479,000 | 8,396,000 | 8,313,000 |
| Securities held to maturity | 27,021,000 | 34,235,000 | 40,001,000 | 41,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,240,000 | 158,635,000 | 157,224,000 | 155,635,000 |
| Interest-bearing deposits | 104,534,000 | 133,991,000 | 131,565,000 | 130,017,000 |
| Noninterest-bearing deposits | 17,706,000 | 24,644,000 | 25,659,000 | 25,618,000 |
| Equity capital | 17,061,000 | 23,295,000 | 23,984,000 | 24,064,000 |
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 | 2,131,000 | 5,213,000 | 7,720,000 | 10,186,000 |
| Interest expense | 564,000 | 1,390,000 | 1,966,000 | 2,491,000 |
| Net interest income | 1,567,000 | 3,823,000 | 5,754,000 | 7,695,000 |
| Noninterest income | 225,000 | 587,000 | 949,000 | 1,260,000 |
| Noninterest expense | 859,000 | 2,382,000 | 3,554,000 | 5,020,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 933,000 | 2,028,000 | 3,149,000 | 3,885,000 |
| Income tax | 305,000 | 708,000 | 1,107,000 | 1,360,000 |
| Net income | 628,000 | 1,320,000 | 2,042,000 | 2,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,907,000 | 21,511,000 | 22,302,000 | 22,485,000 |
| Total capital | 17,516,000 | 22,453,000 | 23,207,000 | 23,432,000 |
| Risk-weighted assets | 92,187,000 | 116,579,000 | 116,233,000 | 114,692,000 |
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