Call reports 2005
LEGACY BANK, NATIONAL ASSOCIATION — 2005
What LEGACY BANK, NATIONAL ASSOCIATION 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 | 62,657,000 | 64,286,000 | 70,956,000 | 82,595,000 |
| Total loans | 40,610,000 | 45,120,000 | 56,843,000 | 63,156,000 |
| Allowance for loan losses | 839,000 | 497,000 | 716,000 | 842,000 |
| Securities available for sale | 8,382,000 | 8,549,000 | 8,305,000 | 8,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,464,000 | 53,210,000 | 60,374,000 | 68,938,000 |
| Interest-bearing deposits | 39,623,000 | 36,985,000 | 43,432,000 | 48,417,000 |
| Noninterest-bearing deposits | 11,841,000 | 16,226,000 | 16,943,000 | 20,521,000 |
| Equity capital | 10,938,000 | 10,770,000 | 10,283,000 | 10,282,000 |
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 | 815,000 | 1,796,000 | 2,937,000 | 4,377,000 |
| Interest expense | 182,000 | 371,000 | 589,000 | 921,000 |
| Net interest income | 633,000 | 1,425,000 | 2,348,000 | 3,456,000 |
| Noninterest income | 20,000 | 43,000 | 72,000 | 228,000 |
| Noninterest expense | 892,000 | 1,924,000 | 3,175,000 | 4,283,000 |
| Provision for loan losses | 19,000 | 33,000 | 169,000 | 261,000 |
| Pretax income | -258,000 | -489,000 | -924,000 | -860,000 |
| Income tax | 0 | 0 | 1,000 | 3,000 |
| Net income | -258,000 | -489,000 | -925,000 | -863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,033,000 | 10,801,000 | 10,365,000 | 10,395,000 |
| Total capital | 11,652,000 | 11,298,000 | 11,081,000 | 11,237,000 |
| Risk-weighted assets | 49,302,000 | 52,547,000 | 63,658,000 | 71,146,000 |