Call reports 2019
LEGACY BANK OF FLORIDA — 2019
What LEGACY BANK OF FLORIDA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 441,255,000 | 444,262,000 | 457,834,000 | 454,552,000 |
| Total loans | 366,220,000 | 384,883,000 | 398,290,000 | 401,040,000 |
| Allowance for loan losses | 2,607,000 | 2,561,000 | 2,592,000 | 2,603,000 |
| Securities available for sale | 41,293,000 | 36,805,000 | 27,553,000 | 33,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,654,000 | 342,933,000 | 359,070,000 | 342,208,000 |
| Interest-bearing deposits | 270,858,000 | 269,088,000 | 276,309,000 | 265,351,000 |
| Noninterest-bearing deposits | 74,796,000 | 73,845,000 | 82,761,000 | 76,857,000 |
| Equity capital | 47,029,000 | 48,617,000 | 49,877,000 | 51,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,855,000 | 9,943,000 | 15,157,000 | 20,402,000 |
| Interest expense | 1,460,000 | 3,059,000 | 4,739,000 | 6,365,000 |
| Net interest income | 3,395,000 | 6,884,000 | 10,418,000 | 14,037,000 |
| Noninterest income | 223,000 | 491,000 | 861,000 | 1,297,000 |
| Noninterest expense | 2,378,000 | 4,841,000 | 7,303,000 | 9,639,000 |
| Provision for loan losses | 0 | 25,000 | 50,000 | 50,000 |
| Pretax income | 1,277,000 | 2,655,000 | 4,169,000 | 5,887,000 |
| Income tax | 315,000 | 656,000 | 1,031,000 | 1,435,000 |
| Net income | 962,000 | 1,999,000 | 3,138,000 | 4,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,780,000 | 47,189,000 | 48,731,000 | 50,681,000 |
| Total capital | 48,387,000 | 49,750,000 | 51,323,000 | 53,284,000 |
| Risk-weighted assets | 395,942,000 | 415,612,000 | 427,938,000 | 420,937,000 |