Call reports 2019
LUMBEE GUARANTY BANK — 2019
What LUMBEE GUARANTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 340,872,000 | 336,259,000 | 346,159,000 | 343,753,000 |
| Total loans | 182,510,000 | 187,080,000 | 189,942,000 | 191,622,000 |
| Allowance for loan losses | 2,185,000 | 2,223,000 | 2,171,000 | 2,067,000 |
| Securities available for sale | 57,578,000 | 60,190,000 | 56,993,000 | 52,723,000 |
| Securities held to maturity | 47,132,000 | 46,605,000 | 46,417,000 | 46,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,815,000 | 287,331,000 | 299,532,000 | 296,094,000 |
| Interest-bearing deposits | 197,218,000 | 190,994,000 | 205,705,000 | 197,644,000 |
| Noninterest-bearing deposits | 96,597,000 | 96,337,000 | 93,827,000 | 98,450,000 |
| Equity capital | 39,025,000 | 40,165,000 | 41,095,000 | 40,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,598,000 | 7,223,000 | 10,889,000 | 14,436,000 |
| Interest expense | 405,000 | 840,000 | 1,313,000 | 1,784,000 |
| Net interest income | 3,193,000 | 6,383,000 | 9,576,000 | 12,652,000 |
| Noninterest income | 509,000 | 1,000,000 | 1,539,000 | 2,036,000 |
| Noninterest expense | 2,740,000 | 5,677,000 | 8,469,000 | 11,322,000 |
| Provision for loan losses | 0 | 0 | 0 | -100,000 |
| Pretax income | 962,000 | 1,706,000 | 2,646,000 | 3,491,000 |
| Income tax | 142,000 | 232,000 | 368,000 | 487,000 |
| Net income | 820,000 | 1,474,000 | 2,278,000 | 3,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,420,000 | 40,711,000 | 41,528,000 | 41,802,000 |
| Total capital | 42,605,000 | 42,934,000 | 43,699,000 | 43,869,000 |
| Risk-weighted assets | 216,918,000 | 220,167,000 | 220,009,000 | 222,026,000 |