Call reports 2003
LEGACY BANK — 2003
What LEGACY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 298,316,000 | 307,692,000 | 319,695,000 | 328,414,000 |
| Total loans | 250,440,000 | 250,938,000 | 260,316,000 | 268,515,000 |
| Allowance for loan losses | 2,628,000 | 2,981,000 | 3,403,000 | 3,302,000 |
| Securities available for sale | 12,793,000 | 22,186,000 | 27,159,000 | 25,005,000 |
| Securities held to maturity | 10,225,000 | 8,725,000 | 7,970,000 | 7,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,180,000 | 274,451,000 | 273,553,000 | 292,716,000 |
| Interest-bearing deposits | 238,536,000 | 243,332,000 | 243,151,000 | 258,298,000 |
| Noninterest-bearing deposits | 27,644,000 | 31,119,000 | 30,402,000 | 34,418,000 |
| Equity capital | 26,246,000 | 26,904,000 | 27,613,000 | 31,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,557,000 | 9,230,000 | 13,934,000 | 18,850,000 |
| Interest expense | 1,142,000 | 2,324,000 | 3,428,000 | 4,554,000 |
| Net interest income | 3,415,000 | 6,906,000 | 10,506,000 | 14,296,000 |
| Noninterest income | 652,000 | 1,327,000 | 2,362,000 | 3,105,000 |
| Noninterest expense | 2,737,000 | 5,767,000 | 9,043,000 | 12,415,000 |
| Provision for loan losses | 78,000 | 498,000 | 578,000 | 578,000 |
| Pretax income | 1,252,000 | 1,968,000 | 3,247,000 | 4,408,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,252,000 | 1,968,000 | 3,247,000 | 4,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,727,000 | 26,462,000 | 27,760,000 | 32,089,000 |
| Total capital | 28,355,000 | 29,443,000 | 31,163,000 | 35,391,000 |
| Risk-weighted assets | 257,813,000 | 265,991,000 | 277,554,000 | 286,489,000 |