Call reports 2004
GUARANTY BANK INC. — 2004
What GUARANTY BANK INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,254,000 | 101,393,000 | 102,099,000 | 101,416,000 |
| Total loans | 51,281,000 | 52,505,000 | 53,418,000 | 55,125,000 |
| Allowance for loan losses | 749,000 | 741,000 | 770,000 | 754,000 |
| Securities available for sale | 33,915,000 | 34,880,000 | 35,921,000 | 35,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,836,000 | 89,927,000 | 89,520,000 | 88,993,000 |
| Interest-bearing deposits | 75,647,000 | 77,049,000 | 76,651,000 | 75,797,000 |
| Noninterest-bearing deposits | 12,189,000 | 12,878,000 | 12,869,000 | 13,196,000 |
| Equity capital | 11,870,000 | 11,320,000 | 12,115,000 | 12,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,637,000 | 3,312,000 | 5,025,000 | 6,740,000 |
| Interest expense | 491,000 | 980,000 | 1,474,000 | 1,962,000 |
| Net interest income | 1,146,000 | 2,332,000 | 3,551,000 | 4,778,000 |
| Noninterest income | 247,000 | 515,000 | 761,000 | 972,000 |
| Noninterest expense | 802,000 | 1,679,000 | 2,601,000 | 3,559,000 |
| Provision for loan losses | 145,000 | 285,000 | 390,000 | 425,000 |
| Pretax income | 455,000 | 892,000 | 1,331,000 | 1,778,000 |
| Income tax | 94,000 | 239,000 | 347,000 | 486,000 |
| Net income | 361,000 | 653,000 | 984,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,592,000 | 11,804,000 | 12,055,000 | 12,203,000 |
| Total capital | 12,248,000 | 12,479,000 | 12,733,000 | 12,901,000 |
| Risk-weighted assets | 52,380,000 | 53,933,000 | 54,170,000 | 55,750,000 |