Call reports 2010
GUARANTY BANK — 2010
What GUARANTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 120,515,000 | 122,522,000 | 122,044,000 | 126,345,000 |
| Total loans | 67,806,000 | 72,170,000 | 71,998,000 | 69,289,000 |
| Allowance for loan losses | 1,233,000 | 1,228,000 | 1,227,000 | 1,224,000 |
| Securities available for sale | 27,522,000 | 27,438,000 | 27,446,000 | 28,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,635,000 | 109,386,000 | 108,062,000 | 112,971,000 |
| Interest-bearing deposits | 67,642,000 | 78,390,000 | 79,361,000 | 79,863,000 |
| Noninterest-bearing deposits | 39,993,000 | 30,996,000 | 28,701,000 | 33,108,000 |
| Equity capital | 12,432,000 | 12,667,000 | 13,262,000 | 12,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,447,000 | 2,926,000 | 4,435,000 | 5,929,000 |
| Interest expense | 288,000 | 588,000 | 895,000 | 1,202,000 |
| Net interest income | 1,159,000 | 2,338,000 | 3,540,000 | 4,727,000 |
| Noninterest income | 130,000 | -95,000 | 44,000 | 208,000 |
| Noninterest expense | 962,000 | 1,861,000 | 2,778,000 | 3,823,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 327,000 | 382,000 | 806,000 | 1,112,000 |
| Income tax | 74,000 | 54,000 | 154,000 | 233,000 |
| Net income | 253,000 | 328,000 | 652,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,146,000 | 12,220,000 | 12,545,000 | 12,556,000 |
| Total capital | 12,883,000 | 13,020,000 | 13,499,000 | 13,363,000 |
| Risk-weighted assets | 60,397,000 | 63,966,000 | 75,616,000 | 64,561,000 |