Call reports 2005
LUMBEE GUARANTY BANK — 2005
What LUMBEE GUARANTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 168,843,000 | 176,203,000 | 177,428,000 | 187,156,000 |
| Total loans | 120,524,000 | 124,346,000 | 125,324,000 | 123,612,000 |
| Allowance for loan losses | 1,651,000 | 1,622,000 | 1,604,000 | 1,538,000 |
| Securities available for sale | 4,972,000 | 5,001,000 | 10,937,000 | 6,943,000 |
| Securities held to maturity | 19,246,000 | 18,937,000 | 18,923,000 | 18,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,444,000 | 143,303,000 | 146,850,000 | 159,188,000 |
| Interest-bearing deposits | 107,051,000 | 107,523,000 | 111,233,000 | 122,181,000 |
| Noninterest-bearing deposits | 32,393,000 | 35,780,000 | 35,617,000 | 37,007,000 |
| Equity capital | 19,763,000 | 20,166,000 | 20,732,000 | 21,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,439,000 | 5,059,000 | 7,810,000 | 10,637,000 |
| Interest expense | 493,000 | 1,121,000 | 1,905,000 | 2,786,000 |
| Net interest income | 1,946,000 | 3,938,000 | 5,905,000 | 7,851,000 |
| Noninterest income | 736,000 | 1,598,000 | 2,425,000 | 3,184,000 |
| Noninterest expense | 1,765,000 | 3,615,000 | 5,505,000 | 7,389,000 |
| Provision for loan losses | 85,000 | 180,000 | 270,000 | 337,000 |
| Pretax income | 832,000 | 1,741,000 | 2,555,000 | 3,309,000 |
| Income tax | 224,000 | 535,000 | 787,000 | 997,000 |
| Net income | 608,000 | 1,206,000 | 1,768,000 | 2,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,841,000 | 20,219,000 | 20,802,000 | 21,136,000 |
| Total capital | 21,367,000 | 21,794,000 | 22,394,000 | 22,674,000 |
| Risk-weighted assets | 121,955,000 | 125,974,000 | 127,355,000 | 127,666,000 |