Call reports 2007
LEGACY BANK — 2007
What LEGACY 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 | 517,721,000 | 510,703,000 | 485,320,000 | 502,487,000 |
| Total loans | 387,525,000 | 376,939,000 | 367,516,000 | 383,982,000 |
| Allowance for loan losses | 4,081,000 | 4,249,000 | 4,131,000 | 2,340,000 |
| Securities available for sale | 70,140,000 | 79,566,000 | 59,629,000 | 49,792,000 |
| Securities held to maturity | 235,000 | 160,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 471,132,000 | 464,254,000 | 437,645,000 | 455,986,000 |
| Interest-bearing deposits | 413,215,000 | 392,853,000 | 376,868,000 | 388,839,000 |
| Noninterest-bearing deposits | 57,917,000 | 71,401,000 | 60,777,000 | 67,147,000 |
| Equity capital | 44,645,000 | 44,367,000 | 45,113,000 | 45,435,000 |
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 | 11,155,000 | 21,258,000 | 30,655,000 | 39,537,000 |
| Interest expense | 4,415,000 | 8,880,000 | 13,156,000 | 17,181,000 |
| Net interest income | 6,740,000 | 12,378,000 | 17,499,000 | 22,356,000 |
| Noninterest income | 1,457,000 | 2,644,000 | 4,353,000 | 5,722,000 |
| Noninterest expense | 4,692,000 | 9,484,000 | 14,392,000 | 19,259,000 |
| Provision for loan losses | 113,000 | 247,000 | 373,000 | 1,393,000 |
| Pretax income | 3,392,000 | 5,291,000 | 7,117,000 | 7,456,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,392,000 | 5,291,000 | 7,117,000 | 7,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,531,000 | 44,452,000 | 44,373,000 | 44,312,000 |
| Total capital | 48,612,000 | 48,701,000 | 48,504,000 | 46,652,000 |
| Risk-weighted assets | 443,331,000 | 429,434,000 | 429,610,000 | 446,529,000 |