Call reports 2002
GUARANTY BANK INC. — 2002
What GUARANTY BANK INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 82,474,000 | 87,041,000 | 87,910,000 | 90,565,000 |
| Total loans | 42,883,000 | 43,690,000 | 45,422,000 | 47,531,000 |
| Allowance for loan losses | 708,000 | 747,000 | 722,000 | 729,000 |
| Securities available for sale | 25,847,000 | 27,711,000 | 30,139,000 | 31,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,112,000 | 76,045,000 | 76,263,000 | 78,811,000 |
| Interest-bearing deposits | 61,413,000 | 64,838,000 | 65,277,000 | 66,621,000 |
| Noninterest-bearing deposits | 10,699,000 | 11,207,000 | 10,986,000 | 12,190,000 |
| Equity capital | 9,988,000 | 10,524,000 | 11,062,000 | 11,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,459,000 | 2,950,000 | 4,512,000 | 6,086,000 |
| Interest expense | 610,000 | 1,221,000 | 1,837,000 | 2,424,000 |
| Net interest income | 849,000 | 1,729,000 | 2,675,000 | 3,662,000 |
| Noninterest income | 141,000 | 365,000 | 565,000 | 811,000 |
| Noninterest expense | 679,000 | 1,399,000 | 2,098,000 | 2,955,000 |
| Provision for loan losses | 35,000 | 115,000 | 190,000 | 255,000 |
| Pretax income | 297,000 | 602,000 | 979,000 | 1,316,000 |
| Income tax | 78,000 | 152,000 | 223,000 | 313,000 |
| Net income | 219,000 | 450,000 | 756,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,173,000 | 10,324,000 | 10,550,000 | 10,717,000 |
| Total capital | 10,715,000 | 10,882,000 | 11,122,000 | 11,321,000 |
| Risk-weighted assets | 43,237,000 | 44,430,000 | 45,996,000 | 48,232,000 |