Call reports 2003
STATE GUARANTY BANK — 2003
What STATE GUARANTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 29,920,000 | 30,610,000 | 29,132,000 | 29,190,000 |
| Total loans | 11,825,000 | 11,677,000 | 10,723,000 | 12,040,000 |
| Allowance for loan losses | 107,000 | 110,000 | 117,000 | 131,000 |
| Securities available for sale | 12,186,000 | 13,805,000 | 14,707,000 | 13,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,988,000 | 26,527,000 | 25,172,000 | 25,136,000 |
| Interest-bearing deposits | 23,644,000 | 24,366,000 | 22,968,000 | 22,823,000 |
| Noninterest-bearing deposits | 2,344,000 | 2,161,000 | 2,204,000 | 2,313,000 |
| Equity capital | 3,663,000 | 3,741,000 | 3,717,000 | 3,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 323,000 | 640,000 | 942,000 | 1,266,000 |
| Interest expense | 114,000 | 222,000 | 321,000 | 410,000 |
| Net interest income | 209,000 | 418,000 | 621,000 | 856,000 |
| Noninterest income | 105,000 | 232,000 | 334,000 | 449,000 |
| Noninterest expense | 225,000 | 462,000 | 687,000 | 934,000 |
| Provision for loan losses | 12,000 | 20,000 | 20,000 | 41,000 |
| Pretax income | 77,000 | 168,000 | 248,000 | 329,000 |
| Income tax | 22,000 | 47,000 | 59,000 | 15,000 |
| Net income | 55,000 | 121,000 | 189,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,503,000 | 3,569,000 | 3,637,000 | 3,563,000 |
| Total capital | 3,610,000 | 3,679,000 | 3,754,000 | 3,694,000 |
| Risk-weighted assets | 16,617,000 | 16,657,000 | 15,675,000 | 17,180,000 |
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