Call reports 2005
GUARANTY BANK — 2005
What GUARANTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 92,390,000 | 92,205,000 | 95,878,000 | 94,398,000 |
| Total loans | 66,629,000 | 66,376,000 | 66,206,000 | 63,909,000 |
| Allowance for loan losses | 1,190,000 | 1,228,000 | 1,253,000 | 1,271,000 |
| Securities available for sale | 13,092,000 | 13,467,000 | 13,551,000 | 15,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,642,000 | 83,186,000 | 86,553,000 | 85,136,000 |
| Interest-bearing deposits | 67,915,000 | 66,867,000 | 66,910,000 | 66,508,000 |
| Noninterest-bearing deposits | 15,727,000 | 16,319,000 | 19,643,000 | 18,628,000 |
| Equity capital | 8,318,000 | 8,638,000 | 8,883,000 | 8,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,366,000 | 2,774,000 | 4,248,000 | 5,702,000 |
| Interest expense | 316,000 | 668,000 | 1,057,000 | 1,468,000 |
| Net interest income | 1,050,000 | 2,106,000 | 3,191,000 | 4,234,000 |
| Noninterest income | 140,000 | 257,000 | 374,000 | 520,000 |
| Noninterest expense | 728,000 | 1,464,000 | 2,195,000 | 3,145,000 |
| Provision for loan losses | 49,000 | 87,000 | 123,000 | 159,000 |
| Pretax income | 413,000 | 812,000 | 1,247,000 | 1,450,000 |
| Income tax | 105,000 | 209,000 | 322,000 | 363,000 |
| Net income | 308,000 | 603,000 | 925,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,198,000 | 8,493,000 | 8,816,000 | 8,761,000 |
| Total capital | 8,947,000 | 9,225,000 | 9,543,000 | 9,489,000 |
| Risk-weighted assets | 59,507,000 | 58,058,000 | 57,766,000 | 57,739,000 |