Call reports 2012
LUMBEE GUARANTY BANK — 2012
What LUMBEE GUARANTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 301,879,000 | 322,996,000 | 325,366,000 | 326,137,000 |
| Total loans | 182,966,000 | 182,408,000 | 176,357,000 | 178,801,000 |
| Allowance for loan losses | 3,333,000 | 3,437,000 | 3,649,000 | 3,454,000 |
| Securities available for sale | 35,033,000 | 54,108,000 | 59,648,000 | 57,393,000 |
| Securities held to maturity | 33,160,000 | 33,025,000 | 35,099,000 | 39,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,362,000 | 282,286,000 | 283,387,000 | 284,872,000 |
| Interest-bearing deposits | 206,699,000 | 222,344,000 | 220,822,000 | 218,418,000 |
| Noninterest-bearing deposits | 53,663,000 | 59,942,000 | 62,565,000 | 66,454,000 |
| Equity capital | 30,564,000 | 30,829,000 | 31,554,000 | 31,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,451,000 | 6,952,000 | 10,447,000 | 13,876,000 |
| Interest expense | 708,000 | 1,438,000 | 2,130,000 | 2,759,000 |
| Net interest income | 2,743,000 | 5,514,000 | 8,317,000 | 11,117,000 |
| Noninterest income | 505,000 | 1,086,000 | 1,756,000 | 2,497,000 |
| Noninterest expense | 2,448,000 | 5,248,000 | 7,831,000 | 10,412,000 |
| Provision for loan losses | 210,000 | 362,000 | 573,000 | 606,000 |
| Pretax income | 590,000 | 993,000 | 1,672,000 | 2,611,000 |
| Income tax | 84,000 | 101,000 | 247,000 | 481,000 |
| Net income | 506,000 | 892,000 | 1,425,000 | 2,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,891,000 | 29,312,000 | 29,862,000 | 30,311,000 |
| Total capital | 32,345,000 | 31,776,000 | 32,268,000 | 32,750,000 |
| Risk-weighted assets | 195,402,000 | 196,152,000 | 191,239,000 | 194,106,000 |