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 | 1,187,630,000 | 1,158,571,000 | 1,120,554,000 | 1,094,865,000 |
| Total loans | 652,598,000 | 642,602,000 | 612,082,000 | 572,861,000 |
| Allowance for loan losses | 40,062,000 | 38,533,000 | 34,251,000 | 31,292,000 |
| Securities available for sale | 7,646,000 | 7,443,000 | 11,383,000 | 11,269,000 |
| Securities held to maturity | 5,177,000 | 5,048,000 | 925,000 | 919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,133,721,000 | 1,105,747,000 | 1,070,606,000 | 1,049,670,000 |
| Interest-bearing deposits | 848,179,000 | 843,928,000 | 824,963,000 | 809,237,000 |
| Noninterest-bearing deposits | 285,542,000 | 261,819,000 | 245,643,000 | 240,433,000 |
| Equity capital | 35,960,000 | 32,949,000 | 29,208,000 | 25,052,000 |
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 | 7,831,000 | 14,822,000 | 21,618,000 | 28,119,000 |
| Interest expense | 417,000 | 798,000 | 1,159,000 | 1,458,000 |
| Net interest income | 7,414,000 | 14,024,000 | 20,459,000 | 26,661,000 |
| Noninterest income | 24,388,000 | 49,863,000 | 74,567,000 | 99,121,000 |
| Noninterest expense | 30,105,000 | 60,576,000 | 91,388,000 | 122,705,000 |
| Provision for loan losses | 4,785,000 | 8,369,000 | 12,258,000 | 16,298,000 |
| Pretax income | -2,160,000 | -4,130,000 | -7,692,000 | -12,293,000 |
| Income tax | 388,000 | 433,000 | 515,000 | 510,000 |
| Net income | 27,285,000 | 24,368,000 | 20,609,000 | 16,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,662,000 | 32,745,000 | 28,986,000 | 24,880,000 |
| Total capital | 44,119,000 | 41,267,000 | 37,040,000 | 32,583,000 |
| Risk-weighted assets | 643,296,000 | 651,717,000 | 618,129,000 | 592,535,000 |
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