Call reports 2015
LEGACY BANK OF FLORIDA — 2015
What LEGACY BANK OF FLORIDA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 276,143,000 | 290,031,000 | 282,890,000 | 286,363,000 |
| Total loans | 201,074,000 | 215,692,000 | 219,439,000 | 223,878,000 |
| Allowance for loan losses | 3,054,000 | 3,065,000 | 3,074,000 | 3,052,000 |
| Securities available for sale | 48,667,000 | 46,508,000 | 39,302,000 | 38,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,964,000 | 237,289,000 | 238,107,000 | 231,169,000 |
| Interest-bearing deposits | 195,128,000 | 194,060,000 | 195,360,000 | 192,414,000 |
| Noninterest-bearing deposits | 44,836,000 | 43,229,000 | 42,747,000 | 38,755,000 |
| Equity capital | 30,555,000 | 31,111,000 | 33,102,000 | 33,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,621,000 | 5,440,000 | 8,282,000 | 11,197,000 |
| Interest expense | 369,000 | 761,000 | 1,126,000 | 1,483,000 |
| Net interest income | 2,252,000 | 4,679,000 | 7,156,000 | 9,714,000 |
| Noninterest income | 100,000 | 126,000 | 305,000 | 571,000 |
| Noninterest expense | 2,002,000 | 3,944,000 | 5,904,000 | 7,813,000 |
| Provision for loan losses | 0 | 0 | 0 | 145,000 |
| Pretax income | 458,000 | 969,000 | 1,731,000 | 2,501,000 |
| Income tax | 173,000 | 366,000 | 653,000 | 943,000 |
| Net income | 285,000 | 603,000 | 1,078,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,021,000 | 22,838,000 | 24,914,000 | 26,650,000 |
| Total capital | 24,907,000 | 25,752,000 | 27,875,000 | 29,635,000 |
| Risk-weighted assets | 225,415,000 | 227,765,000 | 231,652,000 | 234,349,000 |