Call reports 2006
LUMBEE GUARANTY BANK — 2006
What LUMBEE GUARANTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 189,375,000 | 196,297,000 | 192,711,000 | 194,531,000 |
| Total loans | 125,907,000 | 130,172,000 | 133,566,000 | 133,933,000 |
| Allowance for loan losses | 1,440,000 | 1,460,000 | 1,417,000 | 1,343,000 |
| Securities available for sale | 8,939,000 | 11,936,000 | 9,001,000 | 6,962,000 |
| Securities held to maturity | 18,094,000 | 14,956,000 | 15,789,000 | 16,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,775,000 | 167,217,000 | 162,863,000 | 164,333,000 |
| Interest-bearing deposits | 123,002,000 | 126,449,000 | 124,137,000 | 127,964,000 |
| Noninterest-bearing deposits | 37,773,000 | 40,768,000 | 38,726,000 | 36,369,000 |
| Equity capital | 21,588,000 | 21,859,000 | 22,509,000 | 22,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,914,000 | 6,052,000 | 9,373,000 | 12,768,000 |
| Interest expense | 1,029,000 | 2,157,000 | 3,365,000 | 4,635,000 |
| Net interest income | 1,885,000 | 3,895,000 | 6,008,000 | 8,133,000 |
| Noninterest income | 856,000 | 1,592,000 | 2,338,000 | 3,043,000 |
| Noninterest expense | 1,984,000 | 3,900,000 | 5,957,000 | 8,200,000 |
| Provision for loan losses | 10,000 | 91,000 | 75,000 | 9,000 |
| Pretax income | 747,000 | 1,496,000 | 2,314,000 | 2,967,000 |
| Income tax | 225,000 | 454,000 | 710,000 | 903,000 |
| Net income | 522,000 | 1,042,000 | 1,604,000 | 2,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,658,000 | 21,925,000 | 22,545,000 | 22,964,000 |
| Total capital | 23,098,000 | 23,385,000 | 23,962,000 | 24,307,000 |
| Risk-weighted assets | 129,964,000 | 135,083,000 | 137,685,000 | 139,029,000 |