Call reports 2003
GUARANTY BANK INC. — 2003
What GUARANTY BANK INC. 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 | 95,651,000 | 96,802,000 | 96,607,000 | 98,448,000 |
| Total loans | 47,344,000 | 48,453,000 | 50,029,000 | 50,972,000 |
| Allowance for loan losses | 801,000 | 711,000 | 843,000 | 755,000 |
| Securities available for sale | 31,987,000 | 33,641,000 | 33,604,000 | 34,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,825,000 | 84,395,000 | 84,830,000 | 86,519,000 |
| Interest-bearing deposits | 71,933,000 | 72,548,000 | 73,168,000 | 74,267,000 |
| Noninterest-bearing deposits | 11,892,000 | 11,847,000 | 11,662,000 | 12,252,000 |
| Equity capital | 11,244,000 | 11,726,000 | 11,362,000 | 11,469,000 |
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 | 1,584,000 | 3,215,000 | 4,883,000 | 6,565,000 |
| Interest expense | 554,000 | 1,089,000 | 1,597,000 | 2,083,000 |
| Net interest income | 1,030,000 | 2,126,000 | 3,286,000 | 4,482,000 |
| Noninterest income | 208,000 | 445,000 | 658,000 | 961,000 |
| Noninterest expense | 759,000 | 1,607,000 | 2,437,000 | 3,503,000 |
| Provision for loan losses | 115,000 | 200,000 | 350,000 | 410,000 |
| Pretax income | 375,000 | 775,000 | 1,178,000 | 1,552,000 |
| Income tax | 74,000 | 166,000 | 269,000 | 398,000 |
| Net income | 301,000 | 609,000 | 909,000 | 1,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,858,000 | 11,086,000 | 11,307,000 | 11,391,000 |
| Total capital | 11,473,000 | 11,710,000 | 11,949,000 | 12,043,000 |
| Risk-weighted assets | 48,992,000 | 49,836,000 | 51,170,000 | 52,038,000 |