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 | 223,559,000 | 247,365,000 | 233,131,000 | 259,427,000 |
| Total loans | 193,917,000 | 216,099,000 | 208,162,000 | 214,402,000 |
| Allowance for loan losses | 2,629,000 | 2,886,000 | 3,052,000 | 4,785,000 |
| Securities available for sale | 7,207,000 | 7,166,000 | 7,220,000 | 9,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,396,000 | 217,149,000 | 195,806,000 | 226,838,000 |
| Interest-bearing deposits | 165,012,000 | 168,154,000 | 159,303,000 | 201,345,000 |
| Noninterest-bearing deposits | 28,384,000 | 48,995,000 | 36,503,000 | 25,493,000 |
| Equity capital | 28,713,000 | 28,918,000 | 29,086,000 | 27,922,000 |
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 | 3,798,000 | 7,859,000 | 12,046,000 | 16,123,000 |
| Interest expense | 1,877,000 | 3,975,000 | 6,179,000 | 8,385,000 |
| Net interest income | 1,921,000 | 3,884,000 | 5,867,000 | 7,738,000 |
| Noninterest income | 161,000 | 296,000 | 443,000 | 637,000 |
| Noninterest expense | 1,564,000 | 3,156,000 | 4,776,000 | 6,280,000 |
| Provision for loan losses | 317,000 | 577,000 | 972,000 | 4,052,000 |
| Pretax income | 201,000 | 447,000 | 562,000 | -1,957,000 |
| Income tax | 0 | 0 | 0 | -1,457,000 |
| Net income | 201,000 | 447,000 | 562,000 | -500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,724,000 | 28,970,000 | 29,085,000 | 26,946,000 |
| Total capital | 31,272,000 | 31,752,000 | 31,750,000 | 29,854,000 |
| Risk-weighted assets | 203,791,000 | 222,478,000 | 212,818,000 | 232,493,000 |