Call reports 2025
LUMBEE GUARANTY BANK — 2025
What LUMBEE GUARANTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 508,278,000 | 522,787,000 | 539,733,000 | 561,380,000 |
| Total loans | 218,909,000 | 223,804,000 | 225,816,000 | 229,925,000 |
| Allowance for loan losses | 1,458,000 | 1,382,000 | 1,370,000 | 1,187,000 |
| Securities available for sale | 101,392,000 | 102,482,000 | 121,020,000 | 119,043,000 |
| Securities held to maturity | 135,588,000 | 135,067,000 | 143,487,000 | 148,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,686,000 | 466,481,000 | 485,281,000 | 496,359,000 |
| Interest-bearing deposits | 309,461,000 | 321,568,000 | 333,781,000 | 354,294,000 |
| Noninterest-bearing deposits | 143,225,000 | 144,913,000 | 151,500,000 | 142,065,000 |
| Equity capital | 47,870,000 | 48,189,000 | 51,088,000 | 51,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,091,000 | 10,271,000 | 15,605,000 | 21,205,000 |
| Interest expense | 1,627,000 | 3,296,000 | 4,921,000 | 6,748,000 |
| Net interest income | 3,464,000 | 6,975,000 | 10,684,000 | 14,457,000 |
| Noninterest income | 830,000 | 1,678,000 | 2,508,000 | 3,355,000 |
| Noninterest expense | 3,202,000 | 6,528,000 | 9,763,000 | 13,197,000 |
| Provision for loan losses | 15,000 | -56,000 | -66,000 | -146,000 |
| Pretax income | 1,103,000 | 2,220,000 | 3,527,000 | 4,792,000 |
| Income tax | 149,000 | 301,000 | 490,000 | 646,000 |
| Net income | 954,000 | 1,919,000 | 3,037,000 | 4,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,474,000 | 58,872,000 | 59,897,000 | 60,408,000 |