Call reports 2004
LEGENDS BANK — 2004
What LEGENDS BANK 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 | 187,664,000 | 188,143,000 | 190,606,000 | 191,016,000 |
| Total loans | 123,401,000 | 125,928,000 | 132,818,000 | 136,390,000 |
| Allowance for loan losses | 913,000 | 903,000 | 861,000 | 900,000 |
| Securities available for sale | 9,241,000 | 11,502,000 | 11,460,000 | 8,582,000 |
| Securities held to maturity | 38,063,000 | 35,321,000 | 30,003,000 | 30,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,100,000 | 157,522,000 | 157,269,000 | 157,339,000 |
| Interest-bearing deposits | 131,051,000 | 130,441,000 | 130,180,000 | 127,416,000 |
| Noninterest-bearing deposits | 26,049,000 | 27,081,000 | 27,089,000 | 29,923,000 |
| Equity capital | 24,287,000 | 24,522,000 | 25,136,000 | 25,286,000 |
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 | 2,382,000 | 4,760,000 | 7,195,000 | 9,702,000 |
| Interest expense | 488,000 | 966,000 | 1,475,000 | 2,027,000 |
| Net interest income | 1,894,000 | 3,794,000 | 5,720,000 | 7,675,000 |
| Noninterest income | 338,000 | 706,000 | 1,126,000 | 1,472,000 |
| Noninterest expense | 1,300,000 | 2,476,000 | 3,675,000 | 5,076,000 |
| Provision for loan losses | 0 | 51,000 | 52,000 | 103,000 |
| Pretax income | 932,000 | 1,973,000 | 3,119,000 | 3,968,000 |
| Income tax | 249,000 | 595,000 | 996,000 | 1,278,000 |
| Net income | 683,000 | 1,378,000 | 2,123,000 | 2,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,802,000 | 23,185,000 | 23,860,000 | 24,095,000 |
| Total capital | 23,715,000 | 24,088,000 | 24,721,000 | 24,995,000 |
| Risk-weighted assets | 116,020,000 | 117,542,000 | 122,060,000 | 123,891,000 |
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