Call reports 2016
LUMBEE GUARANTY BANK — 2016
What LUMBEE GUARANTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 324,505,000 | 323,992,000 | 335,203,000 | 332,641,000 |
| Total loans | 178,137,000 | 179,415,000 | 177,751,000 | 174,046,000 |
| Allowance for loan losses | 2,562,000 | 2,557,000 | 2,537,000 | 2,490,000 |
| Securities available for sale | 52,919,000 | 55,140,000 | 58,070,000 | 58,726,000 |
| Securities held to maturity | 46,919,000 | 49,525,000 | 50,851,000 | 53,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,411,000 | 281,827,000 | 292,816,000 | 290,878,000 |
| Interest-bearing deposits | 203,186,000 | 200,651,000 | 211,085,000 | 207,300,000 |
| Noninterest-bearing deposits | 79,225,000 | 81,176,000 | 81,731,000 | 83,578,000 |
| Equity capital | 34,126,000 | 34,724,000 | 35,213,000 | 34,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,079,000 | 6,219,000 | 9,334,000 | 12,435,000 |
| Interest expense | 207,000 | 413,000 | 608,000 | 797,000 |
| Net interest income | 2,872,000 | 5,806,000 | 8,726,000 | 11,638,000 |
| Noninterest income | 662,000 | 1,240,000 | 1,831,000 | 2,364,000 |
| Noninterest expense | 2,884,000 | 5,761,000 | 8,566,000 | 11,423,000 |
| Provision for loan losses | 2,000 | 4,000 | 8,000 | 9,000 |
| Pretax income | 648,000 | 1,281,000 | 1,983,000 | 2,570,000 |
| Income tax | 103,000 | 194,000 | 308,000 | 378,000 |
| Net income | 545,000 | 1,087,000 | 1,675,000 | 2,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,632,000 | 34,878,000 | 35,476,000 | 35,656,000 |
| Total capital | 37,107,000 | 37,435,000 | 38,013,000 | 38,146,000 |
| Risk-weighted assets | 197,980,000 | 206,906,000 | 206,671,000 | 205,566,000 |