Call reports 2022
LUMBEE GUARANTY BANK — 2022
What LUMBEE GUARANTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 486,351,000 | 481,853,000 | 500,981,000 | 484,339,000 |
| Total loans | 175,726,000 | 180,050,000 | 186,283,000 | 185,323,000 |
| Allowance for loan losses | 1,964,000 | 1,963,000 | 1,973,000 | 1,971,000 |
| Securities available for sale | 97,286,000 | 92,924,000 | 94,224,000 | 94,988,000 |
| Securities held to maturity | 141,576,000 | 141,574,000 | 140,943,000 | 141,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,554,000 | 437,721,000 | 458,547,000 | 441,523,000 |
| Interest-bearing deposits | 278,120,000 | 268,362,000 | 290,539,000 | 272,591,000 |
| Noninterest-bearing deposits | 160,434,000 | 169,359,000 | 168,008,000 | 168,932,000 |
| Equity capital | 38,789,000 | 35,299,000 | 33,655,000 | 35,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,409,000 | 7,054,000 | 11,047,000 | 15,419,000 |
| Interest expense | 144,000 | 281,000 | 425,000 | 559,000 |
| Net interest income | 3,265,000 | 6,773,000 | 10,622,000 | 14,860,000 |
| Noninterest income | 613,000 | 1,422,000 | 2,024,000 | 2,561,000 |
| Noninterest expense | 2,781,000 | 5,692,000 | 8,519,000 | 11,373,000 |
| Provision for loan losses | -87,000 | -87,000 | -87,000 | -87,000 |
| Pretax income | 1,184,000 | 2,590,000 | 4,214,000 | 5,600,000 |
| Income tax | 127,000 | 297,000 | 516,000 | 664,000 |
| Net income | 1,057,000 | 2,293,000 | 3,698,000 | 4,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,033,000 | 47,747,000 | 49,154,000 | 49,887,000 |