Call reports 2005
GUARANTY BANK — 2005
What GUARANTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 449,543,000 | 464,043,000 | 491,317,000 | 480,516,000 |
| Total loans | 414,420,000 | 426,700,000 | 445,673,000 | 440,927,000 |
| Allowance for loan losses | 4,739,000 | 4,944,000 | 5,205,000 | 5,400,000 |
| Securities available for sale | 14,250,000 | 14,585,000 | 13,952,000 | 6,757,000 |
| Securities held to maturity | 1,215,000 | 1,144,000 | 1,095,000 | 944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,928,000 | 300,985,000 | 319,829,000 | 321,452,000 |
| Interest-bearing deposits | 275,813,000 | 274,069,000 | 287,942,000 | 279,139,000 |
| Noninterest-bearing deposits | 27,114,000 | 26,916,000 | 31,888,000 | 42,314,000 |
| Equity capital | 38,996,000 | 39,489,000 | 39,895,000 | 55,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,962,000 | 12,549,000 | 19,671,000 | 27,461,000 |
| Interest expense | 2,457,000 | 5,241,000 | 8,370,000 | 11,813,000 |
| Net interest income | 3,505,000 | 7,308,000 | 11,301,000 | 15,648,000 |
| Noninterest income | 628,000 | 1,256,000 | 2,004,000 | 2,678,000 |
| Noninterest expense | 1,994,000 | 3,881,000 | 5,853,000 | 8,038,000 |
| Provision for loan losses | 225,000 | 465,000 | 705,000 | 945,000 |
| Pretax income | 2,110,000 | 4,601,000 | 7,311,000 | 10,086,000 |
| Income tax | 744,000 | 1,644,000 | 2,656,000 | 3,624,000 |
| Net income | 1,366,000 | 2,957,000 | 4,655,000 | 6,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,600,000 | 37,198,000 | 38,012,000 | 53,796,000 |
| Total capital | 42,916,000 | 43,682,000 | 44,454,000 | 60,294,000 |
| Risk-weighted assets | 380,345,000 | 406,980,000 | 420,352,000 | 406,897,000 |
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