Call reports 2014
LEGACY BANK OF FLORIDA — 2014
What LEGACY BANK OF FLORIDA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 254,459,000 | 254,336,000 | 274,934,000 | 271,487,000 |
| Total loans | 164,820,000 | 166,979,000 | 177,970,000 | 182,824,000 |
| Allowance for loan losses | 3,503,000 | 3,006,000 | 3,022,000 | 3,110,000 |
| Securities available for sale | 69,471,000 | 66,318,000 | 67,816,000 | 63,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,571,000 | 228,971,000 | 238,442,000 | 227,818,000 |
| Interest-bearing deposits | 197,831,000 | 197,412,000 | 198,788,000 | 194,443,000 |
| Noninterest-bearing deposits | 29,740,000 | 31,559,000 | 39,654,000 | 33,375,000 |
| Equity capital | 18,782,000 | 19,682,000 | 29,390,000 | 30,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,377,000 | 4,839,000 | 7,396,000 | 10,033,000 |
| Interest expense | 364,000 | 726,000 | 1,100,000 | 1,477,000 |
| Net interest income | 2,013,000 | 4,113,000 | 6,296,000 | 8,556,000 |
| Noninterest income | 80,000 | 79,000 | 177,000 | 284,000 |
| Noninterest expense | 1,853,000 | 3,699,000 | 5,675,000 | 7,651,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 216,000 | 522,000 | 908,000 | 1,378,000 |
| Income tax | 0 | 0 | -9,300,000 | -9,123,000 |
| Net income | 216,000 | 522,000 | 10,208,000 | 10,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,371,000 | 20,681,000 | 21,820,000 | 22,407,000 |
| Total capital | 22,750,000 | 23,073,000 | 24,353,000 | 24,976,000 |
| Risk-weighted assets | 189,165,000 | 190,718,000 | 202,115,000 | 204,980,000 |