Call reports 2021
LUMBEE GUARANTY BANK — 2021
What LUMBEE GUARANTY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 436,434,000 | 454,601,000 | 481,315,000 | 473,266,000 |
| Total loans | 199,643,000 | 195,683,000 | 187,698,000 | 180,744,000 |
| Allowance for loan losses | 2,361,000 | 2,280,000 | 2,180,000 | 2,042,000 |
| Securities available for sale | 80,276,000 | 97,640,000 | 99,299,000 | 98,076,000 |
| Securities held to maturity | 89,836,000 | 107,454,000 | 121,559,000 | 129,615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,581,000 | 403,457,000 | 430,353,000 | 421,575,000 |
| Interest-bearing deposits | 237,785,000 | 244,528,000 | 269,639,000 | 271,537,000 |
| Noninterest-bearing deposits | 148,796,000 | 158,929,000 | 160,714,000 | 150,038,000 |
| Equity capital | 42,671,000 | 43,781,000 | 44,324,000 | 43,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,611,000 | 7,200,000 | 10,782,000 | 14,561,000 |
| Interest expense | 219,000 | 397,000 | 566,000 | 722,000 |
| Net interest income | 3,392,000 | 6,803,000 | 10,216,000 | 13,839,000 |
| Noninterest income | 592,000 | 1,101,000 | 1,632,000 | 2,212,000 |
| Noninterest expense | 2,734,000 | 5,548,000 | 8,451,000 | 11,572,000 |
| Provision for loan losses | 0 | -100,000 | -200,000 | -325,000 |
| Pretax income | 1,250,000 | 2,438,000 | 3,583,000 | 4,607,000 |
| Income tax | 188,000 | 349,000 | 485,000 | 584,000 |
| Net income | 1,062,000 | 2,089,000 | 3,098,000 | 4,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,213,000 | 44,844,000 | 45,776,000 | 46,129,000 |