Call reports 2004
LUMBEE GUARANTY BANK — 2004
What LUMBEE GUARANTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 152,510,000 | 158,773,000 | 163,124,000 | 161,579,000 |
| Total loans | 100,701,000 | 106,308,000 | 111,027,000 | 113,127,000 |
| Allowance for loan losses | 1,549,000 | 1,515,000 | 1,538,000 | 1,599,000 |
| Securities available for sale | 5,499,000 | 5,377,000 | 5,090,000 | 5,041,000 |
| Securities held to maturity | 22,864,000 | 21,541,000 | 20,666,000 | 20,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,334,000 | 136,404,000 | 137,738,000 | 135,348,000 |
| Interest-bearing deposits | 104,006,000 | 105,434,000 | 107,142,000 | 102,693,000 |
| Noninterest-bearing deposits | 29,328,000 | 30,970,000 | 30,596,000 | 32,655,000 |
| Equity capital | 17,632,000 | 17,968,000 | 18,647,000 | 19,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,168,000 | 6,383,000 | 8,753,000 |
| Interest expense | 430,000 | 830,000 | 1,238,000 | 1,687,000 |
| Net interest income | 1,652,000 | 3,338,000 | 5,145,000 | 7,066,000 |
| Noninterest income | 696,000 | 1,439,000 | 2,163,000 | 2,905,000 |
| Noninterest expense | 1,615,000 | 3,326,000 | 5,016,000 | 6,771,000 |
| Provision for loan losses | 68,000 | 138,000 | 217,000 | 277,000 |
| Pretax income | 665,000 | 1,316,000 | 2,076,000 | 2,924,000 |
| Income tax | 174,000 | 351,000 | 564,000 | 817,000 |
| Net income | 491,000 | 965,000 | 1,512,000 | 2,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,623,000 | 18,028,000 | 18,657,000 | 19,219,000 |
| Total capital | 18,913,000 | 19,394,000 | 20,089,000 | 20,668,000 |
| Risk-weighted assets | 102,947,000 | 109,104,000 | 114,472,000 | 115,757,000 |