Call reports 2007
GUARANTY BANK — 2007
What GUARANTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 512,519,000 | 514,455,000 | 527,750,000 | 564,856,000 |
| Total loans | 475,482,000 | 477,519,000 | 485,008,000 | 522,205,000 |
| Allowance for loan losses | 5,604,000 | 5,686,000 | 5,798,000 | 5,963,000 |
| Securities available for sale | 7,395,000 | 6,671,000 | 16,427,000 | 14,071,000 |
| Securities held to maturity | 732,000 | 703,000 | 679,000 | 655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,066,000 | 396,940,000 | 403,072,000 | 419,113,000 |
| Interest-bearing deposits | 354,412,000 | 368,220,000 | 377,330,000 | 389,671,000 |
| Noninterest-bearing deposits | 28,654,000 | 28,720,000 | 25,742,000 | 29,442,000 |
| Equity capital | 58,905,000 | 58,636,000 | 58,513,000 | 56,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,522,000 | 18,625,000 | 28,310,000 | 37,818,000 |
| Interest expense | 4,690,000 | 9,460,000 | 14,400,000 | 19,482,000 |
| Net interest income | 4,832,000 | 9,165,000 | 13,910,000 | 18,336,000 |
| Noninterest income | 1,071,000 | 2,213,000 | 3,252,000 | 4,280,000 |
| Noninterest expense | 2,697,000 | 5,501,000 | 8,297,000 | 11,068,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 3,189,000 | 5,843,000 | 8,803,000 | 11,326,000 |
| Income tax | 1,109,000 | 1,973,000 | 2,903,000 | 3,750,000 |
| Net income | 2,080,000 | 3,870,000 | 5,900,000 | 7,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,674,000 | 57,497,000 | 57,546,000 | 56,152,000 |
| Total capital | 64,163,000 | 64,005,000 | 64,065,000 | 62,511,000 |
| Risk-weighted assets | 470,511,000 | 460,357,000 | 471,655,000 | 510,928,000 |
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