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 | 70,385,000 | 70,856,000 | 78,939,000 | 84,524,000 |
| Total loans | 39,252,000 | 43,340,000 | 47,997,000 | 52,464,000 |
| Allowance for loan losses | 1,188,000 | 1,258,000 | 1,243,000 | 1,185,000 |
| Securities available for sale | 27,558,000 | 25,637,000 | 28,039,000 | 28,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,535,000 | 44,531,000 | 49,506,000 | 53,207,000 |
| Interest-bearing deposits | 39,069,000 | 41,283,000 | 45,441,000 | 47,964,000 |
| Noninterest-bearing deposits | 4,466,000 | 3,248,000 | 4,065,000 | 5,243,000 |
| Equity capital | 20,082,000 | 19,530,000 | 20,688,000 | 20,796,000 |
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 | 963,000 | 2,025,000 | 3,174,000 | 4,452,000 |
| Interest expense | 265,000 | 537,000 | 847,000 | 1,208,000 |
| Net interest income | 698,000 | 1,488,000 | 2,327,000 | 3,244,000 |
| Noninterest income | 65,000 | 125,000 | 193,000 | 252,000 |
| Noninterest expense | 335,000 | 732,000 | 1,087,000 | 1,522,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 428,000 | 881,000 | 1,441,000 | 1,974,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 428,000 | 881,000 | 1,441,000 | 1,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,859,000 | 19,102,000 | 19,661,000 | 19,985,000 |
| Total capital | 19,462,000 | 19,752,000 | 20,388,000 | 20,771,000 |
| Risk-weighted assets | 47,647,000 | 51,497,000 | 57,709,000 | 62,513,000 |