Call reports 2014
LUMBEE GUARANTY BANK — 2014
What LUMBEE GUARANTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 317,801,000 | 316,590,000 | 313,334,000 | 314,386,000 |
| Total loans | 188,238,000 | 187,522,000 | 186,934,000 | 182,961,000 |
| Allowance for loan losses | 3,302,000 | 3,003,000 | 2,971,000 | 2,817,000 |
| Securities available for sale | 42,537,000 | 41,844,000 | 39,680,000 | 40,766,000 |
| Securities held to maturity | 45,305,000 | 45,000,000 | 44,268,000 | 44,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,301,000 | 277,033,000 | 273,441,000 | 273,216,000 |
| Interest-bearing deposits | 204,297,000 | 203,165,000 | 205,473,000 | 203,906,000 |
| Noninterest-bearing deposits | 73,004,000 | 73,868,000 | 67,968,000 | 69,310,000 |
| Equity capital | 31,312,000 | 31,707,000 | 32,345,000 | 32,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,292,000 | 6,600,000 | 9,899,000 | 13,118,000 |
| Interest expense | 423,000 | 811,000 | 1,167,000 | 1,484,000 |
| Net interest income | 2,869,000 | 5,789,000 | 8,732,000 | 11,634,000 |
| Noninterest income | 669,000 | 1,377,000 | 1,991,000 | 2,592,000 |
| Noninterest expense | 2,566,000 | 5,396,000 | 8,029,000 | 10,761,000 |
| Provision for loan losses | 155,000 | 368,000 | 569,000 | 655,000 |
| Pretax income | 820,000 | 1,445,000 | 2,172,000 | 2,857,000 |
| Income tax | 183,000 | 282,000 | 430,000 | 581,000 |
| Net income | 637,000 | 1,163,000 | 1,742,000 | 2,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,640,000 | 31,897,000 | 32,479,000 | 32,709,000 |
| Total capital | 34,164,000 | 34,419,000 | 34,994,000 | 35,191,000 |
| Risk-weighted assets | 201,151,000 | 201,293,000 | 200,708,000 | 198,260,000 |