Call reports 2004
LEGACY BANK — 2004
What LEGACY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 348,129,000 | 367,140,000 | 368,858,000 | 378,516,000 |
| Total loans | 279,192,000 | 294,447,000 | 304,258,000 | 326,575,000 |
| Allowance for loan losses | 3,496,000 | 3,849,000 | 3,871,000 | 3,875,000 |
| Securities available for sale | 23,661,000 | 42,376,000 | 20,127,000 | 19,047,000 |
| Securities held to maturity | 7,970,000 | 6,300,000 | 4,710,000 | 4,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,768,000 | 324,359,000 | 333,798,000 | 341,839,000 |
| Interest-bearing deposits | 280,493,000 | 284,515,000 | 293,877,000 | 296,435,000 |
| Noninterest-bearing deposits | 34,275,000 | 39,845,000 | 39,921,000 | 45,404,000 |
| Equity capital | 32,522,000 | 33,275,000 | 33,648,000 | 34,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,854,000 | 10,016,000 | 14,754,000 | 20,377,000 |
| Interest expense | 1,138,000 | 2,353,000 | 3,677,000 | 5,148,000 |
| Net interest income | 3,716,000 | 7,663,000 | 11,077,000 | 15,229,000 |
| Noninterest income | 718,000 | 1,567,000 | 2,413,000 | 2,855,000 |
| Noninterest expense | 3,242,000 | 6,589,000 | 10,195,000 | 13,622,000 |
| Provision for loan losses | 210,000 | 420,000 | 441,000 | 441,000 |
| Pretax income | 982,000 | 2,221,000 | 2,819,000 | 4,021,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 982,000 | 2,221,000 | 2,819,000 | 4,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,502,000 | 33,901,000 | 33,641,000 | 34,209,000 |
| Total capital | 35,998,000 | 37,750,000 | 37,512,000 | 38,085,000 |
| Risk-weighted assets | 303,484,000 | 315,431,000 | 319,494,000 | 348,706,000 |