Call reports 2005
GUARANTY BANK INC. — 2005
What GUARANTY BANK INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 103,878,000 | 105,425,000 | 106,110,000 | 107,919,000 |
| Total loans | 56,449,000 | 57,589,000 | 59,320,000 | 60,699,000 |
| Allowance for loan losses | 780,000 | 1,032,000 | 917,000 | 792,000 |
| Securities available for sale | 34,935,000 | 35,454,000 | 34,220,000 | 31,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,523,000 | 90,045,000 | 90,137,000 | 94,643,000 |
| Interest-bearing deposits | 77,862,000 | 76,031,000 | 74,977,000 | 79,497,000 |
| Noninterest-bearing deposits | 13,661,000 | 14,014,000 | 15,160,000 | 15,146,000 |
| Equity capital | 11,979,000 | 12,463,000 | 12,687,000 | 12,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,514,000 | 5,327,000 | 7,135,000 |
| Interest expense | 486,000 | 975,000 | 1,459,000 | 1,966,000 |
| Net interest income | 1,241,000 | 2,539,000 | 3,868,000 | 5,169,000 |
| Noninterest income | 252,000 | 531,000 | 789,000 | 1,064,000 |
| Noninterest expense | 901,000 | 1,861,000 | 2,820,000 | 3,781,000 |
| Provision for loan losses | 100,000 | 435,000 | 460,000 | 490,000 |
| Pretax income | 494,000 | 776,000 | 1,369,000 | 1,924,000 |
| Income tax | 100,000 | 234,000 | 319,000 | 536,000 |
| Net income | 394,000 | 542,000 | 1,050,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,437,000 | 12,505,000 | 12,933,000 | 13,111,000 |
| Total capital | 13,153,000 | 13,228,000 | 13,676,000 | 13,884,000 |
| Risk-weighted assets | 57,194,000 | 57,495,000 | 59,305,000 | 61,798,000 |