Call reports 2005
LEGENDS BANK — 2005
What LEGENDS BANK 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 | 192,999,000 | 198,832,000 | 200,916,000 | 202,814,000 |
| Total loans | 138,786,000 | 144,140,000 | 151,144,000 | 153,978,000 |
| Allowance for loan losses | 874,000 | 873,000 | 857,000 | 906,000 |
| Securities available for sale | 9,458,000 | 9,467,000 | 8,432,000 | 8,397,000 |
| Securities held to maturity | 29,034,000 | 27,809,000 | 27,139,000 | 27,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,343,000 | 162,892,000 | 163,854,000 | 164,094,000 |
| Interest-bearing deposits | 130,286,000 | 132,233,000 | 133,960,000 | 131,791,000 |
| Noninterest-bearing deposits | 29,057,000 | 30,659,000 | 29,894,000 | 32,303,000 |
| Equity capital | 25,397,000 | 25,668,000 | 23,907,000 | 24,542,000 |
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 | 2,476,000 | 5,101,000 | 7,892,000 | 10,794,000 |
| Interest expense | 594,000 | 1,280,000 | 2,077,000 | 2,994,000 |
| Net interest income | 1,882,000 | 3,821,000 | 5,815,000 | 7,800,000 |
| Noninterest income | 328,000 | 697,000 | 1,074,000 | 1,424,000 |
| Noninterest expense | 1,275,000 | 2,486,000 | 3,742,000 | 5,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 52,000 |
| Pretax income | 935,000 | 2,032,000 | 3,147,000 | 4,121,000 |
| Income tax | 323,000 | 709,000 | 1,103,000 | 1,443,000 |
| Net income | 612,000 | 1,323,000 | 2,044,000 | 2,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,322,000 | 24,635,000 | 22,945,000 | 23,648,000 |
| Total capital | 25,196,000 | 25,508,000 | 23,802,000 | 24,554,000 |
| Risk-weighted assets | 125,861,000 | 131,018,000 | 135,726,000 | 137,644,000 |
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