Call reports 2012
GUARANTY BANK — 2012
What GUARANTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 648,298,000 | 656,729,000 | 652,296,000 | 659,246,000 |
| Total loans | 473,928,000 | 488,725,000 | 474,742,000 | 477,116,000 |
| Allowance for loan losses | 10,974,000 | 13,126,000 | 8,476,000 | 8,740,000 |
| Securities available for sale | 96,347,000 | 102,788,000 | 98,306,000 | 101,910,000 |
| Securities held to maturity | 209,000 | 198,000 | 189,000 | 181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,196,000 | 498,944,000 | 495,290,000 | 501,140,000 |
| Interest-bearing deposits | 448,083,000 | 463,846,000 | 449,407,000 | 451,152,000 |
| Noninterest-bearing deposits | 37,113,000 | 35,098,000 | 45,883,000 | 49,988,000 |
| Equity capital | 68,742,000 | 62,924,000 | 62,910,000 | 64,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,866,000 | 13,712,000 | 20,559,000 | 27,606,000 |
| Interest expense | 1,710,000 | 3,303,000 | 4,867,000 | 6,302,000 |
| Net interest income | 5,156,000 | 10,409,000 | 15,692,000 | 21,304,000 |
| Noninterest income | 852,000 | 1,861,000 | 2,259,000 | 3,261,000 |
| Noninterest expense | 3,865,000 | 7,678,000 | 11,485,000 | 15,564,000 |
| Provision for loan losses | 900,000 | 3,000,000 | 5,600,000 | 5,950,000 |
| Pretax income | 1,280,000 | 1,699,000 | 1,004,000 | 3,219,000 |
| Income tax | 191,000 | 71,000 | -240,000 | 304,000 |
| Net income | 1,089,000 | 1,628,000 | 1,244,000 | 2,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,922,000 | 61,961,000 | 61,578,000 | 63,249,000 |
| Total capital | 74,296,000 | 68,570,000 | 67,764,000 | 69,407,000 |
| Risk-weighted assets | 505,352,000 | 522,168,000 | 492,613,000 | 490,031,000 |
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