Call reports 2006
LEGACY BANK OF FLORIDA — 2006
What LEGACY BANK OF FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Total assets | 42,310,000 | 63,584,000 | 78,734,000 |
| Total loans | 11,206,000 | 33,027,000 | 53,824,000 |
| Allowance for loan losses | 141,000 | 414,000 | 674,000 |
| Securities available for sale | 7,684,000 | 19,102,000 | 20,529,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 12,357,000 | 33,868,000 | 48,706,000 |
| Interest-bearing deposits | 9,224,000 | 24,232,000 | 40,506,000 |
| Noninterest-bearing deposits | 3,133,000 | 9,636,000 | 8,200,000 |
| Equity capital | 29,857,000 | 29,585,000 | 29,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Interest income | 461,000 | 1,329,000 | 2,476,000 |
| Interest expense | 68,000 | 240,000 | 556,000 |
| Net interest income | 393,000 | 1,089,000 | 1,920,000 |
| Noninterest income | 7,000 | 21,000 | 48,000 |
| Noninterest expense | 2,083,000 | 3,101,000 | 4,260,000 |
| Provision for loan losses | 141,000 | 414,000 | 674,000 |
| Pretax income | -1,824,000 | -2,405,000 | -2,966,000 |
| Income tax | -696,000 | -914,000 | -1,125,000 |
| Net income | -1,128,000 | -1,491,000 | -1,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Tier 1 capital | 29,358,000 | 29,049,000 | 28,202,000 |
| Total capital | 29,499,000 | 29,463,000 | 28,876,000 |
| Risk-weighted assets | 21,593,000 | 46,070,000 | 68,005,000 |