Call reports 2003
GUARANTY NATIONAL BANK OF TALLAHASSEE — 2003
What GUARANTY NATIONAL BANK OF TALLAHASSEE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 86,900,000 | 84,466,000 | 76,153,000 | 71,280,000 |
| Total loans | 55,548,000 | 53,766,000 | 53,784,000 | 49,885,000 |
| Allowance for loan losses | 1,152,000 | 1,232,000 | 1,334,000 | 1,267,000 |
| Securities available for sale | 7,356,000 | 3,002,000 | 1,944,000 | 1,608,000 |
| Securities held to maturity | 364,000 | 295,000 | 233,000 | 188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,641,000 | 75,934,000 | 69,533,000 | 65,614,000 |
| Interest-bearing deposits | 66,926,000 | 63,663,000 | 59,891,000 | 55,849,000 |
| Noninterest-bearing deposits | 10,715,000 | 12,272,000 | 9,642,000 | 9,766,000 |
| Equity capital | 8,054,000 | 7,383,000 | 5,548,000 | 4,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,161,000 | 2,228,000 | 3,332,000 | 4,382,000 |
| Interest expense | 600,000 | 1,122,000 | 1,608,000 | 2,035,000 |
| Net interest income | 561,000 | 1,106,000 | 1,724,000 | 2,347,000 |
| Noninterest income | 137,000 | 288,000 | 435,000 | 602,000 |
| Noninterest expense | 1,385,000 | 2,746,000 | 4,024,000 | 5,398,000 |
| Provision for loan losses | 0 | 0 | 1,322,000 | 1,692,000 |
| Pretax income | -687,000 | -1,352,000 | -3,187,000 | -4,141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -687,000 | -1,352,000 | -3,187,000 | -4,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,182,000 | 6,517,000 | 4,683,000 | 3,732,000 |
| Total capital | 7,939,000 | 7,263,000 | 5,398,000 | 4,406,000 |
| Risk-weighted assets | 60,137,000 | 58,846,000 | 56,676,000 | 53,317,000 |