Call reports 2005
GUARANTY STATE BANK AND TRUST COMPANY — 2005
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 105,315,000 | 103,612,000 | 103,442,000 | 113,424,000 |
| Total loans | 83,936,000 | 82,073,000 | 78,785,000 | 92,011,000 |
| Allowance for loan losses | 855,000 | 887,000 | 922,000 | 929,000 |
| Securities available for sale | 12,351,000 | 11,850,000 | 11,949,000 | 11,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,544,000 | 75,090,000 | 76,894,000 | 75,449,000 |
| Interest-bearing deposits | 66,013,000 | 65,343,000 | 67,013,000 | 65,547,000 |
| Noninterest-bearing deposits | 10,531,000 | 9,747,000 | 9,881,000 | 9,902,000 |
| Equity capital | 9,722,000 | 10,122,000 | 10,277,000 | 10,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,504,000 | 3,107,000 | 4,691,000 | 6,453,000 |
| Interest expense | 518,000 | 1,089,000 | 1,684,000 | 2,357,000 |
| Net interest income | 986,000 | 2,018,000 | 3,007,000 | 4,096,000 |
| Noninterest income | 60,000 | 246,000 | 352,000 | 464,000 |
| Noninterest expense | 655,000 | 1,372,000 | 2,088,000 | 2,900,000 |
| Provision for loan losses | 0 | 34,000 | 69,000 | 69,000 |
| Pretax income | 391,000 | 858,000 | 1,202,000 | 1,591,000 |
| Income tax | 134,000 | 266,000 | 340,000 | 479,000 |
| Net income | 257,000 | 592,000 | 862,000 | 1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,726,000 | 10,051,000 | 10,278,000 | 10,527,000 |
| Total capital | 10,581,000 | 10,938,000 | 11,200,000 | 11,456,000 |
| Risk-weighted assets | 90,455,000 | 88,643,000 | 85,724,000 | 98,533,000 |
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