Call reports 2012
LEGACY BANK OF FLORIDA — 2012
What LEGACY BANK OF FLORIDA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 285,410,000 | 278,384,000 | 269,908,000 | 262,720,000 |
| Total loans | 202,741,000 | 189,900,000 | 190,335,000 | 173,926,000 |
| Allowance for loan losses | 5,382,000 | 4,857,000 | 4,910,000 | 4,857,000 |
| Securities available for sale | 69,689,000 | 71,388,000 | 66,159,000 | 71,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,866,000 | 253,039,000 | 245,379,000 | 237,332,000 |
| Interest-bearing deposits | 232,758,000 | 226,189,000 | 216,770,000 | 210,366,000 |
| Noninterest-bearing deposits | 26,108,000 | 26,850,000 | 28,609,000 | 26,966,000 |
| Equity capital | 15,812,000 | 14,567,000 | 13,717,000 | 13,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,882,000 | 5,754,000 | 8,427,000 | 11,115,000 |
| Interest expense | 617,000 | 1,183,000 | 1,712,000 | 2,201,000 |
| Net interest income | 2,265,000 | 4,571,000 | 6,715,000 | 8,914,000 |
| Noninterest income | 91,000 | -42,000 | 62,000 | 206,000 |
| Noninterest expense | 2,011,000 | 4,467,000 | 6,539,000 | 9,246,000 |
| Provision for loan losses | 501,000 | 1,945,000 | 3,344,000 | 3,536,000 |
| Pretax income | -15,000 | -1,427,000 | -2,394,000 | -2,947,000 |
| Income tax | -39,000 | -97,000 | -136,000 | -94,000 |
| Net income | 24,000 | -1,330,000 | -2,258,000 | -2,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,476,000 | 14,134,000 | 13,219,000 | 12,637,000 |
| Total capital | 18,232,000 | 16,775,000 | 15,835,000 | 15,101,000 |
| Risk-weighted assets | 217,825,000 | 209,070,000 | 206,949,000 | 194,749,000 |