Call reports 2003
GUARANTY BANK — 2003
What GUARANTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,610,000 | 83,900,000 | 84,090,000 | 83,944,000 |
| Total loans | 48,743,000 | 52,434,000 | 54,025,000 | 55,056,000 |
| Allowance for loan losses | 850,000 | 878,000 | 854,000 | 860,000 |
| Securities available for sale | 15,439,000 | 16,884,000 | 15,783,000 | 15,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,809,000 | 75,830,000 | 76,490,000 | 76,119,000 |
| Interest-bearing deposits | 60,352,000 | 60,581,000 | 60,799,000 | 60,723,000 |
| Noninterest-bearing deposits | 14,457,000 | 15,249,000 | 15,691,000 | 15,396,000 |
| Equity capital | 7,353,000 | 7,605,000 | 7,217,000 | 7,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,364,000 | 3,579,000 | 4,778,000 |
| Interest expense | 367,000 | 716,000 | 1,033,000 | 1,337,000 |
| Net interest income | 808,000 | 1,648,000 | 2,546,000 | 3,441,000 |
| Noninterest income | 112,000 | 252,000 | 364,000 | 506,000 |
| Noninterest expense | 711,000 | 1,420,000 | 2,159,000 | 2,986,000 |
| Provision for loan losses | 36,000 | 81,000 | 117,000 | 157,000 |
| Pretax income | 174,000 | 400,000 | 635,000 | 805,000 |
| Income tax | 37,000 | 86,000 | 140,000 | 148,000 |
| Net income | 137,000 | 314,000 | 495,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,822,000 | 7,002,000 | 6,899,000 | 7,064,000 |
| Total capital | 7,376,000 | 7,599,000 | 7,513,000 | 7,687,000 |
| Risk-weighted assets | 44,019,000 | 47,487,000 | 48,895,000 | 49,603,000 |