Call reports 2001
GUARANTY BANK INC. — 2001
What GUARANTY BANK INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 69,411,000 | 69,988,000 | 74,083,000 | 78,364,000 |
| Total loans | 38,481,000 | 40,395,000 | 40,912,000 | 43,099,000 |
| Allowance for loan losses | 759,000 | 741,000 | 736,000 | 713,000 |
| Securities available for sale | 19,251,000 | 20,254,000 | 21,397,000 | 25,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,082,000 | 59,599,000 | 63,324,000 | 67,859,000 |
| Interest-bearing deposits | 49,876,000 | 50,457,000 | 53,777,000 | 58,346,000 |
| Noninterest-bearing deposits | 9,206,000 | 9,142,000 | 9,547,000 | 9,513,000 |
| Equity capital | 9,846,000 | 9,971,000 | 10,254,000 | 10,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,741,000 | 4,159,000 | 5,621,000 |
| Interest expense | 604,000 | 1,230,000 | 1,864,000 | 2,516,000 |
| Net interest income | 758,000 | 1,511,000 | 2,295,000 | 3,105,000 |
| Noninterest income | 116,000 | 278,000 | 433,000 | 602,000 |
| Noninterest expense | 568,000 | 1,198,000 | 1,822,000 | 2,525,000 |
| Provision for loan losses | 50,000 | 50,000 | 80,000 | 115,000 |
| Pretax income | 256,000 | 543,000 | 830,000 | 1,102,000 |
| Income tax | 53,000 | 112,000 | 194,000 | 236,000 |
| Net income | 203,000 | 431,000 | 636,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,691,000 | 9,839,000 | 9,964,000 | 10,114,000 |
| Total capital | 10,166,000 | 10,326,000 | 10,467,000 | 10,649,000 |
| Risk-weighted assets | 37,699,000 | 38,752,000 | 40,064,000 | 42,622,000 |