Call reports 2013
LEGACY BANK OF FLORIDA — 2013
What LEGACY BANK OF FLORIDA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 254,647,000 | 254,329,000 | 255,907,000 | 250,009,000 |
| Total loans | 174,399,000 | 170,815,000 | 168,970,000 | 162,664,000 |
| Allowance for loan losses | 3,853,000 | 3,793,000 | 3,377,000 | 3,441,000 |
| Securities available for sale | 61,813,000 | 62,390,000 | 62,822,000 | 64,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,729,000 | 231,119,000 | 236,857,000 | 226,329,000 |
| Interest-bearing deposits | 198,638,000 | 204,346,000 | 203,788,000 | 202,314,000 |
| Noninterest-bearing deposits | 29,091,000 | 26,773,000 | 33,069,000 | 24,015,000 |
| Equity capital | 12,970,000 | 12,170,000 | 13,111,000 | 18,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,455,000 | 5,212,000 | 7,692,000 | 10,107,000 |
| Interest expense | 450,000 | 889,000 | 1,306,000 | 1,694,000 |
| Net interest income | 2,005,000 | 4,323,000 | 6,386,000 | 8,413,000 |
| Noninterest income | -75,000 | -55,000 | 3,000 | 114,000 |
| Noninterest expense | 1,976,000 | 3,965,000 | 5,965,000 | 7,793,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 234,000 | 654,000 | 775,000 | 1,085,000 |
| Income tax | 124,000 | 256,000 | 256,000 | 256,000 |
| Net income | 110,000 | 398,000 | 519,000 | 829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,750,000 | 13,040,000 | 14,886,000 | 20,150,000 |
| Total capital | 15,232,000 | 15,448,000 | 17,284,000 | 22,501,000 |
| Risk-weighted assets | 197,161,000 | 191,253,000 | 190,874,000 | 187,003,000 |