Call reports 2009
LUMBEE GUARANTY BANK — 2009
What LUMBEE GUARANTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 238,119,000 | 241,162,000 | 259,333,000 | 266,229,000 |
| Total loans | 149,937,000 | 157,966,000 | 165,634,000 | 170,407,000 |
| Allowance for loan losses | 1,840,000 | 1,925,000 | 2,195,000 | 2,183,000 |
| Securities available for sale | 31,055,000 | 27,407,000 | 29,695,000 | 26,905,000 |
| Securities held to maturity | 21,864,000 | 20,094,000 | 24,752,000 | 26,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,639,000 | 186,800,000 | 207,211,000 | 213,800,000 |
| Interest-bearing deposits | 138,193,000 | 142,700,000 | 157,496,000 | 165,779,000 |
| Noninterest-bearing deposits | 41,446,000 | 44,100,000 | 49,715,000 | 48,021,000 |
| Equity capital | 27,084,000 | 26,916,000 | 27,447,000 | 27,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,225,000 | 6,429,000 | 9,785,000 | 13,270,000 |
| Interest expense | 996,000 | 1,968,000 | 2,910,000 | 3,888,000 |
| Net interest income | 2,229,000 | 4,461,000 | 6,875,000 | 9,382,000 |
| Noninterest income | 611,000 | 1,214,000 | 1,861,000 | 2,489,000 |
| Noninterest expense | 2,421,000 | 4,742,000 | 7,211,000 | 10,111,000 |
| Provision for loan losses | 123,000 | 248,000 | 578,000 | 657,000 |
| Pretax income | 296,000 | 685,000 | 947,000 | 1,143,000 |
| Income tax | 11,000 | 47,000 | 49,000 | 36,000 |
| Net income | 285,000 | 638,000 | 898,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,450,000 | 26,474,000 | 26,746,000 | 26,797,000 |
| Total capital | 28,290,000 | 28,399,000 | 28,930,000 | 28,980,000 |
| Risk-weighted assets | 158,395,000 | 164,833,000 | 174,748,000 | 180,492,000 |