Call reports 2013
STATE GUARANTY BANK — 2013
What STATE GUARANTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,446,000 | 39,321,000 | 40,414,000 | 41,032,000 |
| Total loans | 12,581,000 | 16,379,000 | 18,652,000 | 21,492,000 |
| Allowance for loan losses | 26,000 | 33,000 | 43,000 | 56,000 |
| Securities available for sale | 6,286,000 | 6,586,000 | 5,619,000 | 5,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,168,000 | 33,844,000 | 34,905,000 | 35,511,000 |
| Interest-bearing deposits | 30,000,000 | 28,684,000 | 29,160,000 | 30,309,000 |
| Noninterest-bearing deposits | 5,168,000 | 5,160,000 | 5,745,000 | 5,202,000 |
| Equity capital | 5,098,000 | 5,285,000 | 5,325,000 | 5,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 228,000 | 489,000 | 777,000 | 1,090,000 |
| Interest expense | 37,000 | 73,000 | 107,000 | 143,000 |
| Net interest income | 191,000 | 416,000 | 670,000 | 947,000 |
| Noninterest income | 76,000 | 285,000 | 349,000 | 414,000 |
| Noninterest expense | 241,000 | 483,000 | 726,000 | 1,019,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 30,000 |
| Pretax income | 26,000 | 213,000 | 273,000 | 312,000 |
| Income tax | -1,000 | 0 | 0 | 0 |
| Net income | 27,000 | 213,000 | 273,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,957,000 | 5,142,000 | 5,202,000 | 5,220,000 |
| Total capital | 4,983,000 | 5,175,000 | 5,245,000 | 5,276,000 |
| Risk-weighted assets | 19,951,000 | 22,405,000 | 21,922,000 | 24,811,000 |