Call reports 2010
LUMBEE GUARANTY BANK — 2010
What LUMBEE GUARANTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 264,286,000 | 270,644,000 | 275,004,000 | 283,123,000 |
| Total loans | 168,974,000 | 171,521,000 | 172,763,000 | 170,618,000 |
| Allowance for loan losses | 2,412,000 | 2,530,000 | 2,736,000 | 2,778,000 |
| Securities available for sale | 25,353,000 | 29,695,000 | 31,037,000 | 32,568,000 |
| Securities held to maturity | 25,357,000 | 26,646,000 | 28,248,000 | 30,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,700,000 | 218,682,000 | 225,378,000 | 233,225,000 |
| Interest-bearing deposits | 169,498,000 | 174,615,000 | 179,766,000 | 188,047,000 |
| Noninterest-bearing deposits | 43,202,000 | 44,067,000 | 45,612,000 | 45,178,000 |
| Equity capital | 27,912,000 | 27,979,000 | 28,395,000 | 28,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,442,000 | 6,863,000 | 10,350,000 | 13,814,000 |
| Interest expense | 926,000 | 1,831,000 | 2,724,000 | 3,597,000 |
| Net interest income | 2,516,000 | 5,032,000 | 7,626,000 | 10,217,000 |
| Noninterest income | 598,000 | 1,062,000 | 1,639,000 | 2,083,000 |
| Noninterest expense | 2,460,000 | 5,304,000 | 7,473,000 | 9,843,000 |
| Provision for loan losses | 301,000 | 529,000 | 807,000 | 962,000 |
| Pretax income | 353,000 | 272,000 | 996,000 | 1,506,000 |
| Income tax | 17,000 | 0 | 62,000 | 100,000 |
| Net income | 336,000 | 272,000 | 934,000 | 1,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,134,000 | 26,913,000 | 27,587,000 | 27,833,000 |
| Total capital | 29,373,000 | 29,194,000 | 29,870,000 | 30,111,000 |
| Risk-weighted assets | 178,957,000 | 182,215,000 | 182,225,000 | 181,732,000 |