Call reports 2004
GUARANTY BANK — 2004
What GUARANTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 84,908,000 | 83,784,000 | 86,426,000 | 85,771,000 |
| Total loans | 58,606,000 | 62,923,000 | 64,010,000 | 65,307,000 |
| Allowance for loan losses | 888,000 | 1,103,000 | 1,100,000 | 1,145,000 |
| Securities available for sale | 15,455,000 | 14,484,000 | 14,142,000 | 14,033,000 |
| Securities held to maturity | 0 | 0 | 110,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,686,000 | 75,674,000 | 77,711,000 | 77,159,000 |
| Interest-bearing deposits | 61,318,000 | 60,876,000 | 61,494,000 | 62,925,000 |
| Noninterest-bearing deposits | 15,368,000 | 14,798,000 | 16,217,000 | 14,234,000 |
| Equity capital | 7,753,000 | 7,676,000 | 8,139,000 | 8,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,204,000 | 2,655,000 | 3,978,000 | 5,328,000 |
| Interest expense | 278,000 | 552,000 | 833,000 | 1,134,000 |
| Net interest income | 926,000 | 2,103,000 | 3,145,000 | 4,194,000 |
| Noninterest income | 118,000 | 243,000 | 376,000 | 526,000 |
| Noninterest expense | 728,000 | 1,462,000 | 2,215,000 | 3,079,000 |
| Provision for loan losses | 36,000 | 269,000 | 308,000 | 361,000 |
| Pretax income | 280,000 | 615,000 | 998,000 | 1,280,000 |
| Income tax | 64,000 | 142,000 | 233,000 | 296,000 |
| Net income | 216,000 | 473,000 | 765,000 | 984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,280,000 | 7,537,000 | 7,829,000 | 7,890,000 |
| Total capital | 7,936,000 | 8,235,000 | 8,535,000 | 8,607,000 |
| Risk-weighted assets | 52,282,000 | 55,407,000 | 56,107,000 | 57,056,000 |