Call reports 2013
LUMBEE GUARANTY BANK — 2013
What LUMBEE GUARANTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 322,694,000 | 326,256,000 | 313,420,000 | 316,630,000 |
| Total loans | 177,033,000 | 181,806,000 | 183,240,000 | 183,173,000 |
| Allowance for loan losses | 3,435,000 | 3,381,000 | 3,350,000 | 3,246,000 |
| Securities available for sale | 53,253,000 | 50,539,000 | 47,594,000 | 43,627,000 |
| Securities held to maturity | 41,005,000 | 42,109,000 | 43,976,000 | 44,412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,153,000 | 285,849,000 | 272,927,000 | 275,628,000 |
| Interest-bearing deposits | 220,067,000 | 221,981,000 | 209,729,000 | 212,179,000 |
| Noninterest-bearing deposits | 62,086,000 | 63,868,000 | 63,198,000 | 63,449,000 |
| Equity capital | 31,334,000 | 30,654,000 | 30,675,000 | 29,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,352,000 | 6,689,000 | 9,990,000 | 13,349,000 |
| Interest expense | 559,000 | 1,092,000 | 1,592,000 | 2,055,000 |
| Net interest income | 2,793,000 | 5,597,000 | 8,398,000 | 11,294,000 |
| Noninterest income | 554,000 | 750,000 | 1,341,000 | 1,941,000 |
| Noninterest expense | 2,744,000 | 5,435,000 | 8,179,000 | 10,886,000 |
| Provision for loan losses | 2,000 | 34,000 | 125,000 | 259,000 |
| Pretax income | 599,000 | 876,000 | 1,433,000 | 2,201,000 |
| Income tax | 98,000 | 80,000 | 181,000 | 364,000 |
| Net income | 501,000 | 796,000 | 1,252,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,228,000 | 30,267,000 | 30,740,000 | 30,999,000 |
| Total capital | 32,633,000 | 32,724,000 | 33,214,000 | 33,489,000 |
| Risk-weighted assets | 191,348,000 | 195,671,000 | 197,083,000 | 198,421,000 |