Call reports 2006
GUARANTY BANK INC. — 2006
What GUARANTY BANK INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 107,513,000 | 105,580,000 | 106,960,000 | 107,509,000 |
| Total loans | 61,634,000 | 62,183,000 | 63,131,000 | 66,609,000 |
| Allowance for loan losses | 802,000 | 818,000 | 949,000 | 801,000 |
| Securities available for sale | 31,514,000 | 30,145,000 | 30,483,000 | 27,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,766,000 | 89,690,000 | 89,059,000 | 90,380,000 |
| Interest-bearing deposits | 73,667,000 | 73,546,000 | 73,036,000 | 74,014,000 |
| Noninterest-bearing deposits | 16,099,000 | 16,144,000 | 16,023,000 | 16,366,000 |
| Equity capital | 12,899,000 | 12,785,000 | 13,742,000 | 13,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,822,000 | 3,643,000 | 5,492,000 | 7,408,000 |
| Interest expense | 504,000 | 1,031,000 | 1,592,000 | 2,192,000 |
| Net interest income | 1,318,000 | 2,612,000 | 3,900,000 | 5,216,000 |
| Noninterest income | 211,000 | 461,000 | 1,374,000 | 1,640,000 |
| Noninterest expense | 983,000 | 2,039,000 | 3,296,000 | 4,250,000 |
| Provision for loan losses | 105,000 | 130,000 | 265,000 | 295,000 |
| Pretax income | 441,000 | 904,000 | 1,713,000 | 2,251,000 |
| Income tax | 108,000 | 298,000 | 538,000 | 777,000 |
| Net income | 333,000 | 606,000 | 1,175,000 | 1,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,284,000 | 13,477,000 | 13,966,000 | 14,105,000 |
| Total capital | 14,068,000 | 14,256,000 | 14,763,000 | 14,906,000 |
| Risk-weighted assets | 62,815,000 | 62,292,000 | 63,607,000 | 66,273,000 |