Call reports 2007
LEGACY BANK OF FLORIDA — 2007
What LEGACY BANK OF FLORIDA 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 | 100,523,000 | 117,270,000 | 146,609,000 | 162,353,000 |
| Total loans | 67,036,000 | 73,330,000 | 86,120,000 | 108,174,000 |
| Allowance for loan losses | 839,000 | 964,000 | 1,130,000 | 1,353,000 |
| Securities available for sale | 23,905,000 | 30,518,000 | 49,982,000 | 46,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,134,000 | 80,087,000 | 109,136,000 | 117,961,000 |
| Interest-bearing deposits | 60,307,000 | 69,549,000 | 94,198,000 | 105,354,000 |
| Noninterest-bearing deposits | 8,827,000 | 10,538,000 | 14,938,000 | 12,607,000 |
| Equity capital | 31,215,000 | 31,921,000 | 32,113,000 | 32,112,000 |
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 | 1,599,000 | 3,570,000 | 5,912,000 | 8,566,000 |
| Interest expense | 575,000 | 1,356,000 | 2,444,000 | 3,750,000 |
| Net interest income | 1,024,000 | 2,214,000 | 3,468,000 | 4,816,000 |
| Noninterest income | 22,000 | 62,000 | 88,000 | 141,000 |
| Noninterest expense | 1,201,000 | 2,520,000 | 3,943,000 | 5,460,000 |
| Provision for loan losses | 165,000 | 290,000 | 456,000 | 679,000 |
| Pretax income | -320,000 | -534,000 | -843,000 | -1,182,000 |
| Income tax | -93,000 | -99,000 | -199,000 | -376,000 |
| Net income | -227,000 | -435,000 | -644,000 | -806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,982,000 | 30,946,000 | 30,739,000 | 30,522,000 |
| Total capital | 30,821,000 | 31,910,000 | 31,869,000 | 31,875,000 |
| Risk-weighted assets | 82,716,000 | 97,060,000 | 117,217,000 | 139,011,000 |