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 | 93,822,000 | 99,649,000 | 107,555,000 | 110,206,000 |
| Total loans | 59,943,000 | 66,027,000 | 75,083,000 | 78,383,000 |
| Allowance for loan losses | 1,106,000 | 1,153,000 | 990,000 | 993,000 |
| Securities available for sale | 28,273,000 | 27,478,000 | 25,919,000 | 23,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,264,000 | 63,219,000 | 64,081,000 | 69,401,000 |
| Interest-bearing deposits | 59,256,000 | 57,059,000 | 58,435,000 | 62,558,000 |
| Noninterest-bearing deposits | 5,008,000 | 6,160,000 | 5,646,000 | 6,843,000 |
| Equity capital | 21,112,000 | 21,950,000 | 22,475,000 | 22,377,000 |
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 | 1,420,000 | 2,924,000 | 4,638,000 | 6,495,000 |
| Interest expense | 434,000 | 925,000 | 1,534,000 | 2,232,000 |
| Net interest income | 986,000 | 1,999,000 | 3,104,000 | 4,263,000 |
| Noninterest income | 75,000 | 135,000 | 231,000 | 339,000 |
| Noninterest expense | 530,000 | 1,038,000 | 1,641,000 | 2,384,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 554,000 | 1,170,000 | 1,830,000 | 2,387,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 554,000 | 1,170,000 | 1,830,000 | 2,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,539,000 | 21,154,000 | 21,425,000 | 21,772,000 |
| Total capital | 21,347,000 | 22,030,000 | 22,415,000 | 22,765,000 |
| Risk-weighted assets | 64,367,000 | 69,825,000 | 79,417,000 | 83,702,000 |