Call reports 2005
STATE GUARANTY BANK — 2005
What STATE GUARANTY BANK 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 | 30,074,000 | 30,811,000 | 30,235,000 | 30,825,000 |
| Total loans | 12,103,000 | 11,958,000 | 12,190,000 | 13,108,000 |
| Allowance for loan losses | 150,000 | 150,000 | 155,000 | 157,000 |
| Securities available for sale | 14,865,000 | 16,206,000 | 16,153,000 | 16,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,414,000 | 26,950,000 | 26,404,000 | 26,474,000 |
| Interest-bearing deposits | 23,691,000 | 23,825,000 | 23,812,000 | 23,565,000 |
| Noninterest-bearing deposits | 2,723,000 | 3,125,000 | 2,592,000 | 2,909,000 |
| Equity capital | 3,495,000 | 3,650,000 | 3,641,000 | 3,519,000 |
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 | 340,000 | 696,000 | 1,069,000 | 1,466,000 |
| Interest expense | 118,000 | 239,000 | 380,000 | 538,000 |
| Net interest income | 222,000 | 457,000 | 689,000 | 928,000 |
| Noninterest income | 86,000 | 164,000 | 258,000 | 512,000 |
| Noninterest expense | 229,000 | 433,000 | 667,000 | 950,000 |
| Provision for loan losses | 6,000 | 6,000 | 11,000 | 35,000 |
| Pretax income | 73,000 | 182,000 | 269,000 | 455,000 |
| Income tax | 20,000 | 54,000 | 79,000 | 128,000 |
| Net income | 53,000 | 128,000 | 190,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,649,000 | 3,724,000 | 3,787,000 | 3,708,000 |
| Total capital | 3,799,000 | 3,874,000 | 3,942,000 | 3,865,000 |
| Risk-weighted assets | 16,280,000 | 16,297,000 | 16,379,000 | 17,232,000 |
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