Call reports 2005
LEGACY BANK — 2005
What LEGACY 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 | 399,565,000 | 419,334,000 | 453,913,000 | 478,185,000 |
| Total loans | 347,221,000 | 355,208,000 | 353,298,000 | 386,501,000 |
| Allowance for loan losses | 3,842,000 | 3,541,000 | 3,056,000 | 3,016,000 |
| Securities available for sale | 18,243,000 | 19,187,000 | 28,183,000 | 47,132,000 |
| Securities held to maturity | 4,710,000 | 3,030,000 | 2,175,000 | 2,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,875,000 | 381,897,000 | 408,684,000 | 426,688,000 |
| Interest-bearing deposits | 310,795,000 | 335,576,000 | 357,328,000 | 368,787,000 |
| Noninterest-bearing deposits | 47,080,000 | 46,321,000 | 51,356,000 | 57,902,000 |
| Equity capital | 34,750,000 | 35,800,000 | 43,523,000 | 45,351,000 |
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 | 6,125,000 | 12,715,000 | 19,960,000 | 28,201,000 |
| Interest expense | 1,749,000 | 3,896,000 | 6,462,000 | 9,425,000 |
| Net interest income | 4,376,000 | 8,819,000 | 13,498,000 | 18,776,000 |
| Noninterest income | 860,000 | 1,775,000 | 2,836,000 | 3,918,000 |
| Noninterest expense | 3,741,000 | 7,503,000 | 11,439,000 | 15,521,000 |
| Provision for loan losses | 29,000 | 34,000 | 91,000 | 329,000 |
| Pretax income | 1,466,000 | 3,057,000 | 4,804,000 | 6,844,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,466,000 | 3,057,000 | 4,804,000 | 6,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,904,000 | 35,755,000 | 43,597,000 | 45,638,000 |
| Total capital | 38,746,000 | 39,296,000 | 46,653,000 | 48,654,000 |
| Risk-weighted assets | 364,186,000 | 388,035,000 | 390,977,000 | 420,516,000 |