Call reports 2014
GUARANTY BANK — 2014
What GUARANTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 638,467,000 | 618,843,000 | 616,012,000 | 627,880,000 |
| Total loans | 454,527,000 | 462,162,000 | 473,137,000 | 494,390,000 |
| Allowance for loan losses | 7,761,000 | 6,788,000 | 6,538,000 | 6,588,000 |
| Securities available for sale | 99,126,000 | 100,308,000 | 96,615,000 | 86,363,000 |
| Securities held to maturity | 75,000 | 70,000 | 65,000 | 61,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,330,000 | 485,630,000 | 475,523,000 | 484,155,000 |
| Interest-bearing deposits | 446,359,000 | 431,543,000 | 420,357,000 | 428,111,000 |
| Noninterest-bearing deposits | 61,971,000 | 54,087,000 | 55,166,000 | 56,044,000 |
| Equity capital | 65,277,000 | 67,580,000 | 69,084,000 | 71,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,360,000 | 12,398,000 | 18,545,000 | 25,014,000 |
| Interest expense | 968,000 | 1,895,000 | 2,848,000 | 3,796,000 |
| Net interest income | 5,392,000 | 10,503,000 | 15,697,000 | 21,218,000 |
| Noninterest income | 833,000 | 1,712,000 | 2,593,000 | 3,450,000 |
| Noninterest expense | 4,075,000 | 7,813,000 | 11,503,000 | 15,134,000 |
| Provision for loan losses | 200,000 | 525,000 | 975,000 | 1,275,000 |
| Pretax income | 1,953,000 | 3,888,000 | 5,821,000 | 8,293,000 |
| Income tax | 385,000 | 799,000 | 1,165,000 | 1,626,000 |
| Net income | 1,568,000 | 3,089,000 | 4,656,000 | 6,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,978,000 | 68,499,000 | 70,067,000 | 72,076,000 |
| Total capital | 73,081,000 | 74,615,000 | 76,353,000 | 78,612,000 |
| Risk-weighted assets | 486,572,000 | 488,617,000 | 502,634,000 | 522,845,000 |
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