Call reports 2013
GUARANTY BANK — 2013
What GUARANTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 648,900,000 | 639,097,000 | 639,796,000 | 619,077,000 |
| Total loans | 461,318,000 | 469,320,000 | 468,067,000 | 472,805,000 |
| Allowance for loan losses | 8,112,000 | 8,377,000 | 8,473,000 | 7,801,000 |
| Securities available for sale | 107,352,000 | 109,174,000 | 105,783,000 | 97,593,000 |
| Securities held to maturity | 136,000 | 89,000 | 84,000 | 79,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,621,000 | 513,283,000 | 511,931,000 | 488,687,000 |
| Interest-bearing deposits | 457,654,000 | 461,134,000 | 459,752,000 | 438,641,000 |
| Noninterest-bearing deposits | 46,967,000 | 52,149,000 | 52,179,000 | 50,046,000 |
| Equity capital | 64,002,000 | 61,346,000 | 62,867,000 | 62,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,419,000 | 12,887,000 | 19,236,000 | 25,855,000 |
| Interest expense | 1,294,000 | 2,441,000 | 3,536,000 | 4,560,000 |
| Net interest income | 5,125,000 | 10,446,000 | 15,700,000 | 21,295,000 |
| Noninterest income | 971,000 | 3,563,000 | 4,444,000 | 5,196,000 |
| Noninterest expense | 4,182,000 | 9,572,000 | 13,438,000 | 16,954,000 |
| Provision for loan losses | 400,000 | 650,000 | 850,000 | 1,550,000 |
| Pretax income | 1,603,000 | 3,992,000 | 6,075,000 | 8,207,000 |
| Income tax | 365,000 | 987,000 | 1,523,000 | 2,042,000 |
| Net income | 1,238,000 | 3,005,000 | 4,552,000 | 6,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,486,000 | 63,251,000 | 64,798,000 | 65,410,000 |
| Total capital | 69,569,000 | 69,482,000 | 71,115,000 | 71,730,000 |
| Risk-weighted assets | 484,649,000 | 496,296,000 | 503,175,000 | 504,139,000 |
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