Call reports 2009
STATE GUARANTY BANK — 2009
What STATE GUARANTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 35,227,000 | 34,880,000 | 35,518,000 | 35,574,000 |
| Total loans | 11,641,000 | 11,335,000 | 11,611,000 | 12,247,000 |
| Allowance for loan losses | 122,000 | 119,000 | 106,000 | 111,000 |
| Securities available for sale | 21,149,000 | 21,163,000 | 21,483,000 | 20,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,419,000 | 29,820,000 | 29,750,000 | 30,046,000 |
| Interest-bearing deposits | 26,270,000 | 26,287,000 | 26,600,000 | 26,609,000 |
| Noninterest-bearing deposits | 4,149,000 | 3,533,000 | 3,150,000 | 3,437,000 |
| Equity capital | 4,355,000 | 4,382,000 | 4,559,000 | 4,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 813,000 | 1,196,000 | 1,566,000 |
| Interest expense | 129,000 | 249,000 | 368,000 | 487,000 |
| Net interest income | 278,000 | 564,000 | 828,000 | 1,079,000 |
| Noninterest income | 69,000 | 135,000 | 226,000 | 299,000 |
| Noninterest expense | 231,000 | 469,000 | 718,000 | 982,000 |
| Provision for loan losses | 0 | 0 | 34,000 | 41,000 |
| Pretax income | 116,000 | 230,000 | 302,000 | 355,000 |
| Income tax | 27,000 | 54,000 | 65,000 | 67,000 |
| Net income | 89,000 | 176,000 | 237,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,008,000 | 4,095,000 | 4,156,000 | 3,982,000 |
| Total capital | 4,130,000 | 4,214,000 | 4,262,000 | 4,093,000 |
| Risk-weighted assets | 18,564,000 | 18,227,000 | 18,516,000 | 18,984,000 |
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