Call reports 2002
GUARANTY BANK — 2002
What GUARANTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,807,000 | 81,461,000 | 80,262,000 | 82,525,000 |
| Total loans | 50,174,000 | 51,527,000 | 51,576,000 | 49,373,000 |
| Allowance for loan losses | 792,000 | 797,000 | 823,000 | 839,000 |
| Securities available for sale | 21,973,000 | 16,874,000 | 16,777,000 | 15,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,730,000 | 74,027,000 | 72,341,000 | 74,838,000 |
| Interest-bearing deposits | 62,410,000 | 59,692,000 | 57,904,000 | 59,599,000 |
| Noninterest-bearing deposits | 14,320,000 | 14,335,000 | 14,437,000 | 15,239,000 |
| Equity capital | 6,579,000 | 6,951,000 | 7,311,000 | 7,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,358,000 | 2,678,000 | 3,967,000 | 5,235,000 |
| Interest expense | 541,000 | 1,018,000 | 1,452,000 | 1,863,000 |
| Net interest income | 817,000 | 1,660,000 | 2,515,000 | 3,372,000 |
| Noninterest income | 107,000 | 247,000 | 367,000 | 500,000 |
| Noninterest expense | 711,000 | 1,411,000 | 2,109,000 | 2,858,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 177,000 | 424,000 | 665,000 | 871,000 |
| Income tax | 21,000 | 76,000 | 129,000 | 204,000 |
| Net income | 156,000 | 348,000 | 536,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,410,000 | 6,606,000 | 6,797,000 | 6,681,000 |
| Total capital | 6,976,000 | 7,174,000 | 7,359,000 | 7,260,000 |
| Risk-weighted assets | 44,339,000 | 45,223,000 | 44,753,000 | 46,082,000 |