Call reports 2007
LUMBEE GUARANTY BANK — 2007
What LUMBEE GUARANTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 203,630,000 | 211,830,000 | 214,684,000 | 220,688,000 |
| Total loans | 134,626,000 | 136,325,000 | 139,387,000 | 140,449,000 |
| Allowance for loan losses | 1,345,000 | 1,505,000 | 1,587,000 | 1,660,000 |
| Securities available for sale | 10,725,000 | 16,507,000 | 22,310,000 | 14,252,000 |
| Securities held to maturity | 18,252,000 | 20,908,000 | 23,469,000 | 23,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,626,000 | 180,756,000 | 183,444,000 | 184,900,000 |
| Interest-bearing deposits | 132,065,000 | 138,407,000 | 138,678,000 | 142,492,000 |
| Noninterest-bearing deposits | 40,561,000 | 42,349,000 | 44,766,000 | 42,408,000 |
| Equity capital | 23,408,000 | 23,534,000 | 24,231,000 | 24,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,438,000 | 7,069,000 | 10,833,000 | 14,525,000 |
| Interest expense | 1,319,000 | 2,708,000 | 4,170,000 | 5,635,000 |
| Net interest income | 2,119,000 | 4,361,000 | 6,663,000 | 8,890,000 |
| Noninterest income | 723,000 | 1,532,000 | 2,255,000 | 2,997,000 |
| Noninterest expense | 2,079,000 | 4,203,000 | 6,340,000 | 8,417,000 |
| Provision for loan losses | 125,000 | 315,000 | 411,000 | 643,000 |
| Pretax income | 638,000 | 1,375,000 | 2,167,000 | 2,827,000 |
| Income tax | 190,000 | 390,000 | 601,000 | 756,000 |
| Net income | 448,000 | 985,000 | 1,566,000 | 2,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,412,000 | 23,633,000 | 24,214,000 | 24,504,000 |
| Total capital | 24,757,000 | 25,138,000 | 25,801,000 | 26,164,000 |
| Risk-weighted assets | 141,557,000 | 144,732,000 | 148,812,000 | 165,109,000 |