Call reports 2015
LUMBEE GUARANTY BANK — 2015
What LUMBEE GUARANTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 310,068,000 | 307,278,000 | 309,684,000 | 317,486,000 |
| Total loans | 178,504,000 | 180,099,000 | 178,425,000 | 176,034,000 |
| Allowance for loan losses | 2,757,000 | 2,776,000 | 2,757,000 | 2,619,000 |
| Securities available for sale | 41,302,000 | 42,327,000 | 42,930,000 | 43,699,000 |
| Securities held to maturity | 43,645,000 | 42,056,000 | 42,643,000 | 42,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,610,000 | 267,695,000 | 269,107,000 | 276,363,000 |
| Interest-bearing deposits | 197,015,000 | 195,663,000 | 201,021,000 | 202,571,000 |
| Noninterest-bearing deposits | 71,595,000 | 72,032,000 | 68,086,000 | 73,792,000 |
| Equity capital | 33,707,000 | 33,570,000 | 34,442,000 | 33,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,128,000 | 6,207,000 | 9,308,000 | 12,382,000 |
| Interest expense | 276,000 | 513,000 | 729,000 | 938,000 |
| Net interest income | 2,852,000 | 5,694,000 | 8,579,000 | 11,444,000 |
| Noninterest income | 622,000 | 1,224,000 | 1,799,000 | 2,391,000 |
| Noninterest expense | 2,776,000 | 5,529,000 | 8,291,000 | 11,277,000 |
| Provision for loan losses | 35,000 | 103,000 | 106,000 | 9,000 |
| Pretax income | 663,000 | 1,286,000 | 1,981,000 | 2,605,000 |
| Income tax | 117,000 | 219,000 | 341,000 | 487,000 |
| Net income | 546,000 | 1,067,000 | 1,640,000 | 2,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,301,000 | 32,817,000 | 34,091,000 | 34,263,000 |
| Total capital | 35,738,000 | 35,260,000 | 36,525,000 | 36,681,000 |
| Risk-weighted assets | 194,649,000 | 195,131,000 | 194,404,000 | 193,225,000 |