Call reports 2004
GUARANTY BANK — 2004
What GUARANTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 396,553,000 | 409,574,000 | 431,507,000 | 440,603,000 |
| Total loans | 355,394,000 | 370,383,000 | 391,074,000 | 396,870,000 |
| Allowance for loan losses | 4,075,000 | 4,133,000 | 4,337,000 | 4,537,000 |
| Securities available for sale | 14,832,000 | 14,995,000 | 14,845,000 | 15,102,000 |
| Securities held to maturity | 1,738,000 | 1,508,000 | 1,422,000 | 1,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,446,000 | 260,228,000 | 274,282,000 | 296,875,000 |
| Interest-bearing deposits | 224,440,000 | 233,470,000 | 246,690,000 | 270,804,000 |
| Noninterest-bearing deposits | 21,006,000 | 26,757,000 | 27,593,000 | 26,071,000 |
| Equity capital | 37,754,000 | 38,318,000 | 38,938,000 | 39,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,902,000 | 9,834,000 | 15,070,000 | 20,741,000 |
| Interest expense | 2,051,000 | 3,985,000 | 6,108,000 | 8,446,000 |
| Net interest income | 2,851,000 | 5,849,000 | 8,962,000 | 12,295,000 |
| Noninterest income | 618,000 | 1,260,000 | 1,981,000 | 2,677,000 |
| Noninterest expense | 1,952,000 | 3,933,000 | 5,802,000 | 7,769,000 |
| Provision for loan losses | 189,000 | 414,000 | 639,000 | 864,000 |
| Pretax income | 1,506,000 | 3,111,000 | 5,044,000 | 7,082,000 |
| Income tax | 468,000 | 1,006,000 | 1,669,000 | 2,443,000 |
| Net income | 1,038,000 | 2,105,000 | 3,375,000 | 4,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,985,000 | 35,439,000 | 36,160,000 | 36,869,000 |
| Total capital | 40,672,000 | 41,335,000 | 42,347,000 | 43,333,000 |
| Risk-weighted assets | 306,613,000 | 318,501,000 | 347,663,000 | 359,225,000 |
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