Call reports 2009
LEGACY BANK — 2009
What LEGACY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 236,617,000 | 232,600,000 | 238,955,000 | 237,622,000 |
| Total loans | 179,642,000 | 176,394,000 | 172,524,000 | 174,900,000 |
| Allowance for loan losses | 3,989,000 | 3,640,000 | 3,641,000 | 4,375,000 |
| Securities available for sale | 7,315,000 | 7,352,000 | 8,716,000 | 9,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,412,000 | 173,688,000 | 181,042,000 | 182,634,000 |
| Interest-bearing deposits | 151,418,000 | 148,844,000 | 145,683,000 | 150,222,000 |
| Noninterest-bearing deposits | 25,994,000 | 24,844,000 | 35,359,000 | 32,412,000 |
| Equity capital | 31,571,000 | 31,221,000 | 30,344,000 | 27,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,595,000 | 5,099,000 | 7,602,000 | 9,994,000 |
| Interest expense | 1,396,000 | 2,708,000 | 3,915,000 | 5,016,000 |
| Net interest income | 1,199,000 | 2,391,000 | 3,687,000 | 4,978,000 |
| Noninterest income | 42,000 | 219,000 | 245,000 | -1,115,000 |
| Noninterest expense | 1,558,000 | 3,296,000 | 4,934,000 | 6,683,000 |
| Provision for loan losses | 100,000 | 400,000 | 1,675,000 | 4,639,000 |
| Pretax income | -417,000 | -1,086,000 | -2,677,000 | -7,459,000 |
| Income tax | -162,000 | -432,000 | -1,069,000 | -2,973,000 |
| Net income | -255,000 | -654,000 | -1,608,000 | -4,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,571,000 | 27,027,000 | 25,436,000 | 20,654,000 |
| Total capital | 30,106,000 | 29,553,000 | 27,781,000 | 23,049,000 |
| Risk-weighted assets | 203,252,000 | 202,395,000 | 196,272,000 | 191,988,000 |