Call reports 2006
GUARANTY BANK — 2006
What GUARANTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,121,000 | 96,457,000 | 94,732,000 | 96,222,000 |
| Total loans | 61,584,000 | 63,553,000 | 65,166,000 | 65,677,000 |
| Allowance for loan losses | 1,272,000 | 1,258,000 | 1,267,000 | 1,286,000 |
| Securities available for sale | 14,971,000 | 15,081,000 | 15,166,000 | 14,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,689,000 | 86,825,000 | 84,574,000 | 86,005,000 |
| Interest-bearing deposits | 64,670,000 | 66,185,000 | 63,726,000 | 65,127,000 |
| Noninterest-bearing deposits | 19,019,000 | 20,640,000 | 20,848,000 | 20,878,000 |
| Equity capital | 8,972,000 | 9,120,000 | 9,499,000 | 9,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,455,000 | 2,981,000 | 4,554,000 | 6,157,000 |
| Interest expense | 451,000 | 947,000 | 1,478,000 | 2,047,000 |
| Net interest income | 1,004,000 | 2,034,000 | 3,076,000 | 4,110,000 |
| Noninterest income | 110,000 | 232,000 | 354,000 | 475,000 |
| Noninterest expense | 769,000 | 1,534,000 | 2,300,000 | 3,197,000 |
| Provision for loan losses | 36,000 | 78,000 | 105,000 | 105,000 |
| Pretax income | 309,000 | 654,000 | 1,025,000 | 1,283,000 |
| Income tax | 75,000 | 165,000 | 261,000 | 318,000 |
| Net income | 234,000 | 489,000 | 764,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,995,000 | 9,251,000 | 9,525,000 | 9,511,000 |
| Total capital | 9,697,000 | 9,986,000 | 10,062,000 | 10,059,000 |
| Risk-weighted assets | 55,626,000 | 58,250,000 | 57,667,000 | 58,306,000 |