Call reports 2007
GUARANTY BANK INC. — 2007
What GUARANTY BANK INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 107,105,000 | 108,186,000 | 108,540,000 | 109,492,000 |
| Total loans | 66,999,000 | 68,143,000 | 69,057,000 | 70,837,000 |
| Allowance for loan losses | 898,000 | 900,000 | 891,000 | 801,000 |
| Securities available for sale | 27,660,000 | 27,069,000 | 26,870,000 | 26,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,887,000 | 92,442,000 | 91,114,000 | 90,873,000 |
| Interest-bearing deposits | 74,769,000 | 74,776,000 | 75,837,000 | 75,369,000 |
| Noninterest-bearing deposits | 17,118,000 | 17,666,000 | 15,277,000 | 15,504,000 |
| Equity capital | 14,191,000 | 14,273,000 | 14,757,000 | 15,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,918,000 | 3,815,000 | 5,767,000 | 7,708,000 |
| Interest expense | 596,000 | 1,207,000 | 1,864,000 | 2,538,000 |
| Net interest income | 1,322,000 | 2,608,000 | 3,903,000 | 5,170,000 |
| Noninterest income | 279,000 | 600,000 | 863,000 | 1,208,000 |
| Noninterest expense | 956,000 | 1,947,000 | 3,005,000 | 4,074,000 |
| Provision for loan losses | 100,000 | 161,000 | 211,000 | 453,000 |
| Pretax income | 545,000 | 1,100,000 | 1,550,000 | 1,851,000 |
| Income tax | 156,000 | 364,000 | 398,000 | 355,000 |
| Net income | 389,000 | 736,000 | 1,152,000 | 1,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,334,000 | 14,601,000 | 14,937,000 | 15,121,000 |
| Total capital | 15,169,000 | 15,444,000 | 15,790,000 | 15,922,000 |
| Risk-weighted assets | 66,705,000 | 67,410,000 | 68,229,000 | 69,308,000 |