Call reports 2004
GUARANTY STATE BANK AND TRUST COMPANY — 2004
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 92,236,000 | 96,266,000 | 95,732,000 | 105,795,000 |
| Total loans | 67,365,000 | 71,315,000 | 71,696,000 | 84,102,000 |
| Allowance for loan losses | 698,000 | 754,000 | 779,000 | 837,000 |
| Securities available for sale | 15,937,000 | 14,277,000 | 12,501,000 | 12,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,020,000 | 75,634,000 | 75,642,000 | 77,341,000 |
| Interest-bearing deposits | 58,038,000 | 65,175,000 | 65,390,000 | 65,235,000 |
| Noninterest-bearing deposits | 8,982,000 | 10,459,000 | 10,252,000 | 12,106,000 |
| Equity capital | 8,730,000 | 8,724,000 | 9,085,000 | 9,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,202,000 | 2,421,000 | 3,680,000 | 5,079,000 |
| Interest expense | 428,000 | 850,000 | 1,286,000 | 1,748,000 |
| Net interest income | 774,000 | 1,571,000 | 2,394,000 | 3,331,000 |
| Noninterest income | 103,000 | 277,000 | 325,000 | 498,000 |
| Noninterest expense | 607,000 | 1,172,000 | 1,766,000 | 2,562,000 |
| Provision for loan losses | 0 | 97,000 | 97,000 | -50,000 |
| Pretax income | 270,000 | 579,000 | 856,000 | 1,317,000 |
| Income tax | 48,000 | 132,000 | 223,000 | 332,000 |
| Net income | 222,000 | 447,000 | 633,000 | 985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,404,000 | 8,629,000 | 8,915,000 | 9,269,000 |
| Total capital | 9,102,000 | 9,383,000 | 9,694,000 | 10,106,000 |
| Risk-weighted assets | 74,782,000 | 78,805,000 | 78,877,000 | 90,496,000 |
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