Call reports 2008
GUARANTY BANK — 2008
What GUARANTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,231,000 | 104,470,000 | 104,725,000 | 107,431,000 |
| Total loans | 67,542,000 | 68,738,000 | 68,838,000 | 67,633,000 |
| Allowance for loan losses | 1,276,000 | 1,280,000 | 1,278,000 | 1,279,000 |
| Securities available for sale | 13,337,000 | 13,303,000 | 13,173,000 | 27,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,719,000 | 92,822,000 | 92,592,000 | 95,534,000 |
| Interest-bearing deposits | 65,749,000 | 66,296,000 | 65,291,000 | 65,308,000 |
| Noninterest-bearing deposits | 24,970,000 | 26,526,000 | 27,301,000 | 30,226,000 |
| Equity capital | 10,729,000 | 10,920,000 | 11,350,000 | 11,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,545,000 | 3,043,000 | 4,557,000 | 6,035,000 |
| Interest expense | 546,000 | 993,000 | 1,388,000 | 1,758,000 |
| Net interest income | 999,000 | 2,050,000 | 3,169,000 | 4,277,000 |
| Noninterest income | 109,000 | 236,000 | 357,000 | 493,000 |
| Noninterest expense | 812,000 | 1,614,000 | 2,455,000 | 3,463,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 296,000 | 672,000 | 1,071,000 | 1,307,000 |
| Income tax | 72,000 | 172,000 | 275,000 | 309,000 |
| Net income | 224,000 | 500,000 | 796,000 | 998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,522,000 | 10,799,000 | 11,095,000 | 11,081,000 |
| Total capital | 11,037,000 | 11,291,000 | 11,587,000 | 11,814,000 |
| Risk-weighted assets | 60,111,000 | 62,275,000 | 62,054,000 | 58,280,000 |