Call reports 2011
STATE GUARANTY BANK — 2011
What STATE GUARANTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 37,871,000 | 39,408,000 | 39,070,000 | 37,786,000 |
| Total loans | 12,360,000 | 11,759,000 | 11,884,000 | 12,982,000 |
| Allowance for loan losses | 96,000 | 99,000 | 102,000 | 103,000 |
| Securities available for sale | 22,592,000 | 23,177,000 | 24,309,000 | 21,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,085,000 | 34,231,000 | 33,365,000 | 32,484,000 |
| Interest-bearing deposits | 28,667,000 | 29,626,000 | 28,873,000 | 28,486,000 |
| Noninterest-bearing deposits | 4,418,000 | 4,605,000 | 4,492,000 | 3,998,000 |
| Equity capital | 4,420,000 | 4,718,000 | 4,823,000 | 4,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 671,000 | 1,000,000 | 1,332,000 |
| Interest expense | 95,000 | 181,000 | 254,000 | 314,000 |
| Net interest income | 241,000 | 490,000 | 746,000 | 1,018,000 |
| Noninterest income | 137,000 | 211,000 | 288,000 | 363,000 |
| Noninterest expense | 260,000 | 516,000 | 770,000 | 1,042,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 185,000 | 264,000 | 339,000 |
| Income tax | 17,000 | 25,000 | 40,000 | 54,000 |
| Net income | 101,000 | 160,000 | 224,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,144,000 | 4,253,000 | 4,317,000 | 4,153,000 |
| Total capital | 4,240,000 | 4,352,000 | 4,419,000 | 4,256,000 |
| Risk-weighted assets | 19,452,000 | 19,279,000 | 19,179,000 | 19,858,000 |