Call reports 2008
LEGACY STATE BANK — 2008
What LEGACY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 116,328,000 | 113,942,000 | 116,326,000 | 112,605,000 |
| Total loans | 75,221,000 | 77,605,000 | 78,462,000 | 72,222,000 |
| Allowance for loan losses | 1,348,000 | 2,222,000 | 3,093,000 | 1,346,000 |
| Securities available for sale | 28,063,000 | 26,883,000 | 26,872,000 | 21,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,581,000 | 81,370,000 | 84,410,000 | 81,872,000 |
| Interest-bearing deposits | 77,081,000 | 75,610,000 | 79,490,000 | 78,208,000 |
| Noninterest-bearing deposits | 5,500,000 | 5,759,000 | 4,920,000 | 3,664,000 |
| Equity capital | 15,491,000 | 13,445,000 | 13,738,000 | 12,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,740,000 | 3,309,000 | 4,843,000 | 6,048,000 |
| Interest expense | 926,000 | 1,808,000 | 2,677,000 | 3,561,000 |
| Net interest income | 814,000 | 1,501,000 | 2,166,000 | 2,487,000 |
| Noninterest income | 231,000 | 276,000 | 229,000 | -152,000 |
| Noninterest expense | 799,000 | 1,589,000 | 2,499,000 | 3,491,000 |
| Provision for loan losses | 175,000 | 1,050,000 | 1,990,000 | 5,018,000 |
| Pretax income | 195,000 | -644,000 | -1,824,000 | -5,715,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | -644,000 | -1,824,000 | -5,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,212,000 | 14,389,000 | 14,160,000 | 12,351,000 |
| Total capital | 16,405,000 | 15,566,000 | 15,337,000 | 13,430,000 |
| Risk-weighted assets | 95,482,000 | 93,090,000 | 92,216,000 | 86,059,000 |
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