Call reports 2005
LEGACY STATE BANK — 2005
What LEGACY STATE 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 | 17,738,000 | 22,469,000 | 36,987,000 | 34,326,000 |
| Total loans | 861,000 | 11,618,000 | 17,115,000 | 22,147,000 |
| Allowance for loan losses | 9,000 | 117,000 | 773,000 | 1,171,000 |
| Securities available for sale | 0 | 0 | 977,000 | 2,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 823,000 | 5,861,000 | 20,945,000 | 18,572,000 |
| Interest-bearing deposits | 643,000 | 4,438,000 | 12,756,000 | 16,449,000 |
| Noninterest-bearing deposits | 180,000 | 1,423,000 | 8,189,000 | 2,123,000 |
| Equity capital | 16,907,000 | 16,594,000 | 16,006,000 | 15,691,000 |
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 | 42,000 | 268,000 | 790,000 | 1,418,000 |
| Interest expense | 18,000 | 29,000 | 72,000 | 192,000 |
| Net interest income | 24,000 | 239,000 | 718,000 | 1,226,000 |
| Noninterest income | 0 | 4,000 | 45,000 | 77,000 |
| Noninterest expense | 960,000 | 1,385,000 | 1,831,000 | 2,284,000 |
| Provision for loan losses | 9,000 | 117,000 | 773,000 | 1,171,000 |
| Pretax income | -945,000 | -1,259,000 | -1,841,000 | -2,152,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -945,000 | -1,259,000 | -1,841,000 | -2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,907,000 | 16,594,000 | 16,011,000 | 15,701,000 |
| Total capital | 16,916,000 | 16,711,000 | 16,297,000 | 16,039,000 |
| Risk-weighted assets | 5,065,000 | 14,937,000 | 22,392,000 | 26,175,000 |
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