Call reports 2004
STATE GUARANTY BANK — 2004
What STATE GUARANTY BANK 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 | 29,441,000 | 28,969,000 | 28,751,000 | 29,592,000 |
| Total loans | 12,557,000 | 12,107,000 | 11,781,000 | 12,466,000 |
| Allowance for loan losses | 143,000 | 135,000 | 136,000 | 148,000 |
| Securities available for sale | 12,975,000 | 13,093,000 | 13,101,000 | 12,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,438,000 | 25,150,000 | 24,735,000 | 25,596,000 |
| Interest-bearing deposits | 23,002,000 | 22,635,000 | 22,481,000 | 22,237,000 |
| Noninterest-bearing deposits | 2,436,000 | 2,516,000 | 2,254,000 | 3,359,000 |
| Equity capital | 3,730,000 | 3,628,000 | 3,757,000 | 3,551,000 |
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 | 321,000 | 635,000 | 949,000 | 1,271,000 |
| Interest expense | 87,000 | 173,000 | 260,000 | 352,000 |
| Net interest income | 234,000 | 462,000 | 689,000 | 919,000 |
| Noninterest income | 94,000 | 198,000 | 285,000 | 370,000 |
| Noninterest expense | 233,000 | 444,000 | 684,000 | 926,000 |
| Provision for loan losses | 10,000 | 22,000 | 22,000 | 38,000 |
| Pretax income | 85,000 | 194,000 | 268,000 | 325,000 |
| Income tax | 24,000 | 57,000 | 77,000 | 91,000 |
| Net income | 61,000 | 137,000 | 191,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,623,000 | 3,699,000 | 3,753,000 | 3,597,000 |
| Total capital | 3,766,000 | 3,834,000 | 3,889,000 | 3,745,000 |
| Risk-weighted assets | 17,546,000 | 17,427,000 | 16,848,000 | 16,395,000 |
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