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 | 1,142,540,000 | 1,097,085,000 | 1,060,168,000 | 1,030,961,000 |
| Total loans | 549,644,000 | 523,439,000 | 536,315,000 | 608,035,000 |
| Allowance for loan losses | 28,971,000 | 26,680,000 | 23,082,000 | 22,060,000 |
| Securities available for sale | 11,209,000 | 11,220,000 | 10,514,000 | 22,961,000 |
| Securities held to maturity | 803,000 | 797,000 | 771,000 | 749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,091,382,000 | 1,048,504,000 | 1,012,060,000 | 987,700,000 |
| Interest-bearing deposits | 812,192,000 | 787,874,000 | 762,039,000 | 737,671,000 |
| Noninterest-bearing deposits | 279,190,000 | 260,630,000 | 250,021,000 | 250,029,000 |
| Equity capital | 33,360,000 | 29,791,000 | 29,446,000 | 25,171,000 |
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 | 6,197,000 | 12,354,000 | 18,494,000 | 24,698,000 |
| Interest expense | 251,000 | 442,000 | 600,000 | 697,000 |
| Net interest income | 5,946,000 | 11,912,000 | 17,894,000 | 24,001,000 |
| Noninterest income | 40,171,000 | 61,346,000 | 83,376,000 | 100,822,000 |
| Noninterest expense | 35,005,000 | 63,936,000 | 92,231,000 | 119,802,000 |
| Provision for loan losses | 2,801,000 | 4,585,000 | 4,717,000 | 6,609,000 |
| Pretax income | 8,311,000 | 4,740,000 | 4,325,000 | -1,585,000 |
| Income tax | 10,000 | 37,000 | -60,000 | -48,000 |
| Net income | 8,301,000 | 4,703,000 | 4,385,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,181,000 | 29,582,000 | 29,264,000 | 24,021,000 |
| Total capital | 40,433,000 | 36,652,000 | 36,335,000 | 31,904,000 |
| Risk-weighted assets | 558,375,000 | 545,900,000 | 549,685,000 | 616,322,000 |
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