Call reports 2016
LEGACY BANK OF FLORIDA — 2016
What LEGACY BANK OF FLORIDA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 284,253,000 | 316,730,000 | 322,367,000 | 335,572,000 |
| Total loans | 216,473,000 | 240,745,000 | 255,627,000 | 270,712,000 |
| Allowance for loan losses | 2,923,000 | 2,850,000 | 2,864,000 | 2,936,000 |
| Securities available for sale | 44,537,000 | 55,189,000 | 45,744,000 | 46,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,336,000 | 249,068,000 | 276,567,000 | 269,812,000 |
| Interest-bearing deposits | 194,012,000 | 199,996,000 | 214,374,000 | 217,099,000 |
| Noninterest-bearing deposits | 43,324,000 | 49,072,000 | 62,193,000 | 52,713,000 |
| Equity capital | 34,273,000 | 34,648,000 | 35,279,000 | 35,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,831,000 | 5,788,000 | 8,902,000 | 12,360,000 |
| Interest expense | 383,000 | 777,000 | 1,215,000 | 1,673,000 |
| Net interest income | 2,448,000 | 5,011,000 | 7,687,000 | 10,687,000 |
| Noninterest income | 181,000 | 123,000 | 280,000 | 419,000 |
| Noninterest expense | 1,973,000 | 4,054,000 | 6,031,000 | 8,081,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 681,000 | 1,163,000 | 2,060,000 | 3,149,000 |
| Income tax | 259,000 | 443,000 | 785,000 | 1,200,000 |
| Net income | 422,000 | 720,000 | 1,275,000 | 1,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,335,000 | 27,819,000 | 28,720,000 | 29,774,000 |
| Total capital | 30,251,000 | 30,669,000 | 31,584,000 | 32,710,000 |
| Risk-weighted assets | 230,475,000 | 250,957,000 | 261,444,000 | 272,564,000 |