Call reports 2010
LEGACY BANK OF FLORIDA — 2010
What LEGACY BANK OF FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 327,439,000 | 323,038,000 | 323,705,000 | 326,327,000 |
| Total loans | 237,590,000 | 231,928,000 | 233,751,000 | 234,436,000 |
| Allowance for loan losses | 4,989,000 | 6,188,000 | 6,773,000 | 4,699,000 |
| Securities available for sale | 64,902,000 | 65,996,000 | 65,262,000 | 71,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,967,000 | 286,589,000 | 286,724,000 | 296,758,000 |
| Interest-bearing deposits | 252,228,000 | 262,170,000 | 258,411,000 | 271,811,000 |
| Noninterest-bearing deposits | 23,739,000 | 24,419,000 | 28,313,000 | 24,947,000 |
| Equity capital | 28,862,000 | 25,721,000 | 26,203,000 | 16,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,753,000 | 7,517,000 | 11,321,000 | 15,072,000 |
| Interest expense | 1,363,000 | 2,661,000 | 3,806,000 | 4,848,000 |
| Net interest income | 2,390,000 | 4,856,000 | 7,515,000 | 10,224,000 |
| Noninterest income | 34,000 | 40,000 | -251,000 | -357,000 |
| Noninterest expense | 2,123,000 | 4,291,000 | 6,126,000 | 8,358,000 |
| Provision for loan losses | 1,219,000 | 7,489,000 | 8,029,000 | 8,685,000 |
| Pretax income | -918,000 | -6,884,000 | -6,581,000 | -6,832,000 |
| Income tax | -336,000 | -2,566,000 | -2,445,000 | 4,808,000 |
| Net income | -582,000 | -4,318,000 | -4,136,000 | -11,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,409,000 | 18,815,000 | 19,312,000 | 17,894,000 |
| Total capital | 27,857,000 | 22,132,000 | 22,630,000 | 21,118,000 |
| Risk-weighted assets | 274,333,000 | 262,464,000 | 261,964,000 | 256,449,000 |