Call reports 2008
GUARANTY BANK — 2008
What GUARANTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 629,380,000 | 665,793,000 | 681,913,000 | 674,514,000 |
| Total loans | 537,319,000 | 564,689,000 | 578,142,000 | 575,056,000 |
| Allowance for loan losses | 5,447,000 | 10,799,000 | 11,507,000 | 16,728,000 |
| Securities available for sale | 62,100,000 | 62,961,000 | 63,489,000 | 64,963,000 |
| Securities held to maturity | 631,000 | 609,000 | 593,000 | 557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,592,000 | 448,028,000 | 437,958,000 | 448,535,000 |
| Interest-bearing deposits | 401,767,000 | 416,526,000 | 407,060,000 | 415,857,000 |
| Noninterest-bearing deposits | 30,825,000 | 31,502,000 | 30,898,000 | 32,678,000 |
| Equity capital | 56,630,000 | 51,068,000 | 52,764,000 | 51,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,226,000 | 18,126,000 | 27,384,000 | 36,318,000 |
| Interest expense | 4,935,000 | 9,477,000 | 13,954,000 | 18,447,000 |
| Net interest income | 4,291,000 | 8,649,000 | 13,430,000 | 17,871,000 |
| Noninterest income | 887,000 | 1,833,000 | 2,720,000 | 3,005,000 |
| Noninterest expense | 2,906,000 | 5,960,000 | 9,048,000 | 12,300,000 |
| Provision for loan losses | 820,000 | 6,504,000 | 8,179,000 | 14,744,000 |
| Pretax income | 1,452,000 | -1,982,000 | -1,077,000 | -6,168,000 |
| Income tax | 493,000 | -847,000 | -509,000 | -2,393,000 |
| Net income | 959,000 | -1,135,000 | -568,000 | -3,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,842,000 | 52,480,000 | 53,047,000 | 49,833,000 |
| Total capital | 61,581,000 | 59,790,000 | 60,373,000 | 57,045,000 |
| Risk-weighted assets | 532,916,000 | 566,357,000 | 581,204,000 | 567,427,000 |
Machine access — free, no API key
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