Call reports 2009
GUARANTY BANK — 2009
What GUARANTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 112,643,000 | 115,205,000 | 114,033,000 | 114,687,000 |
| Total loans | 69,060,000 | 69,831,000 | 69,559,000 | 69,119,000 |
| Allowance for loan losses | 1,266,000 | 1,256,000 | 1,248,000 | 1,225,000 |
| Securities available for sale | 27,657,000 | 27,886,000 | 27,893,000 | 28,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,662,000 | 102,722,000 | 101,135,000 | 102,016,000 |
| Interest-bearing deposits | 69,684,000 | 71,189,000 | 71,269,000 | 71,349,000 |
| Noninterest-bearing deposits | 30,978,000 | 31,533,000 | 29,866,000 | 30,667,000 |
| Equity capital | 11,444,000 | 11,855,000 | 12,257,000 | 12,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,385,000 | 2,844,000 | 4,358,000 | 5,870,000 |
| Interest expense | 332,000 | 657,000 | 970,000 | 1,266,000 |
| Net interest income | 1,053,000 | 2,187,000 | 3,388,000 | 4,604,000 |
| Noninterest income | 119,000 | 252,000 | 371,000 | 520,000 |
| Noninterest expense | 847,000 | 1,778,000 | 2,683,000 | 3,814,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 325,000 | 661,000 | 1,076,000 | 1,310,000 |
| Income tax | 77,000 | 153,000 | 257,000 | 311,000 |
| Net income | 248,000 | 508,000 | 819,000 | 999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,328,000 | 11,589,000 | 11,900,000 | 11,893,000 |
| Total capital | 11,809,000 | 12,075,000 | 12,391,000 | 12,804,000 |
| Risk-weighted assets | 62,019,000 | 60,877,000 | 59,942,000 | 72,820,000 |