Call reports 2007
GUARANTY BANK — 2007
What GUARANTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,758,000 | 96,750,000 | 99,147,000 | 103,280,000 |
| Total loans | 64,461,000 | 66,153,000 | 67,351,000 | 65,625,000 |
| Allowance for loan losses | 1,298,000 | 1,284,000 | 1,283,000 | 1,279,000 |
| Securities available for sale | 12,580,000 | 12,760,000 | 13,146,000 | 13,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,330,000 | 86,151,000 | 88,103,000 | 92,013,000 |
| Interest-bearing deposits | 63,967,000 | 64,324,000 | 64,813,000 | 65,848,000 |
| Noninterest-bearing deposits | 21,363,000 | 21,827,000 | 23,290,000 | 26,165,000 |
| Equity capital | 9,736,000 | 9,925,000 | 10,247,000 | 10,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,581,000 | 3,199,000 | 4,853,000 | 6,514,000 |
| Interest expense | 572,000 | 1,165,000 | 1,782,000 | 2,397,000 |
| Net interest income | 1,009,000 | 2,034,000 | 3,071,000 | 4,117,000 |
| Noninterest income | 107,000 | 223,000 | 348,000 | 475,000 |
| Noninterest expense | 784,000 | 1,565,000 | 2,357,000 | 3,297,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 332,000 | 692,000 | 1,062,000 | 1,295,000 |
| Income tax | 79,000 | 175,000 | 266,000 | 291,000 |
| Net income | 253,000 | 517,000 | 796,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,763,000 | 10,027,000 | 10,307,000 | 10,299,000 |
| Total capital | 10,328,000 | 10,560,000 | 10,829,000 | 10,817,000 |
| Risk-weighted assets | 57,955,000 | 59,305,000 | 60,164,000 | 60,086,000 |