Call reports 2009
LEGACY BANK OF FLORIDA — 2009
What LEGACY BANK OF FLORIDA 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 | 254,207,000 | 275,765,000 | 309,108,000 | 316,709,000 |
| Total loans | 193,950,000 | 212,828,000 | 225,735,000 | 230,380,000 |
| Allowance for loan losses | 3,310,000 | 4,153,000 | 4,164,000 | 5,319,000 |
| Securities available for sale | 48,371,000 | 49,613,000 | 67,756,000 | 66,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,456,000 | 219,382,000 | 258,036,000 | 265,834,000 |
| Interest-bearing deposits | 187,061,000 | 200,532,000 | 237,665,000 | 245,002,000 |
| Noninterest-bearing deposits | 14,395,000 | 18,850,000 | 20,371,000 | 20,832,000 |
| Equity capital | 30,083,000 | 27,746,000 | 28,321,000 | 28,313,000 |
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 | 3,024,000 | 6,278,000 | 9,960,000 | 13,923,000 |
| Interest expense | 1,571,000 | 3,232,000 | 4,853,000 | 6,411,000 |
| Net interest income | 1,453,000 | 3,046,000 | 5,107,000 | 7,512,000 |
| Noninterest income | 53,000 | 139,000 | 223,000 | 318,000 |
| Noninterest expense | 1,868,000 | 3,942,000 | 5,812,000 | 7,911,000 |
| Provision for loan losses | 1,099,000 | 3,980,000 | 4,107,000 | 5,305,000 |
| Pretax income | -1,203,000 | -4,035,000 | -3,778,000 | -4,521,000 |
| Income tax | -443,000 | -1,495,000 | -1,391,000 | -1,636,000 |
| Net income | -760,000 | -2,540,000 | -2,387,000 | -2,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,062,000 | 23,927,000 | 24,458,000 | 24,454,000 |
| Total capital | 29,797,000 | 26,999,000 | 27,727,000 | 27,825,000 |
| Risk-weighted assets | 218,239,000 | 244,687,000 | 260,613,000 | 267,722,000 |