Call reports 2007
LEGACY STATE BANK — 2007
What LEGACY STATE BANK 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 | 81,124,000 | 97,419,000 | 114,056,000 | 114,151,000 |
| Total loans | 56,353,000 | 74,651,000 | 81,944,000 | 81,796,000 |
| Allowance for loan losses | 788,000 | 876,000 | 1,911,000 | 1,561,000 |
| Securities available for sale | 15,349,000 | 15,167,000 | 25,108,000 | 23,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,449,000 | 73,999,000 | 86,086,000 | 82,820,000 |
| Interest-bearing deposits | 52,067,000 | 68,813,000 | 81,713,000 | 78,086,000 |
| Noninterest-bearing deposits | 5,382,000 | 5,185,000 | 4,373,000 | 4,734,000 |
| Equity capital | 15,527,000 | 15,209,000 | 14,719,000 | 15,150,000 |
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 | 1,428,000 | 3,200,000 | 5,280,000 | 7,367,000 |
| Interest expense | 667,000 | 1,510,000 | 2,641,000 | 3,755,000 |
| Net interest income | 761,000 | 1,690,000 | 2,639,000 | 3,612,000 |
| Noninterest income | 40,000 | 93,000 | 140,000 | 188,000 |
| Noninterest expense | 766,000 | 1,578,000 | 2,426,000 | 3,308,000 |
| Provision for loan losses | 0 | 116,000 | 1,085,000 | 1,085,000 |
| Pretax income | 35,000 | 89,000 | -732,000 | -573,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 89,000 | -732,000 | -573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,566,000 | 15,630,000 | 14,826,000 | 15,001,000 |
| Total capital | 16,354,000 | 16,506,000 | 16,136,000 | 16,296,000 |
| Risk-weighted assets | 67,537,000 | 89,363,000 | 103,970,000 | 102,563,000 |