Call reports 2012
GUARANTY BANK — 2012
What GUARANTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 144,239,000 | 145,545,000 | 143,371,000 | 143,994,000 |
| Total loans | 67,419,000 | 68,804,000 | 68,163,000 | 62,549,000 |
| Allowance for loan losses | 1,095,000 | 1,098,000 | 1,099,000 | 1,084,000 |
| Securities available for sale | 35,935,000 | 36,486,000 | 35,597,000 | 32,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,413,000 | 128,887,000 | 126,485,000 | 127,517,000 |
| Interest-bearing deposits | 87,934,000 | 88,518,000 | 87,537,000 | 86,150,000 |
| Noninterest-bearing deposits | 40,479,000 | 40,369,000 | 38,948,000 | 41,367,000 |
| Equity capital | 14,946,000 | 15,646,000 | 15,836,000 | 15,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,396,000 | 2,786,000 | 4,173,000 | 5,492,000 |
| Interest expense | 235,000 | 453,000 | 661,000 | 859,000 |
| Net interest income | 1,161,000 | 2,333,000 | 3,512,000 | 4,633,000 |
| Noninterest income | 114,000 | 253,000 | 395,000 | 568,000 |
| Noninterest expense | 923,000 | 1,839,000 | 2,785,000 | 4,250,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 352,000 | 747,000 | 1,122,000 | 951,000 |
| Income tax | 84,000 | 190,000 | 290,000 | 210,000 |
| Net income | 268,000 | 557,000 | 832,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,571,000 | 13,860,000 | 14,135,000 | 14,044,000 |
| Total capital | 14,354,000 | 14,662,000 | 14,933,000 | 14,768,000 |
| Risk-weighted assets | 62,629,000 | 64,131,000 | 63,845,000 | 57,635,000 |