Call reports 2008
GUARANTY BANK INC. — 2008
What GUARANTY BANK INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,871,000 | 110,134,000 | 109,178,000 | 110,757,000 |
| Total loans | 69,864,000 | 70,009,000 | 68,450,000 | 67,231,000 |
| Allowance for loan losses | 901,000 | 2,802,000 | 2,589,000 | 1,888,000 |
| Securities available for sale | 18,281,000 | 19,854,000 | 19,899,000 | 19,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,747,000 | 95,977,000 | 94,881,000 | 95,546,000 |
| Interest-bearing deposits | 77,833,000 | 77,452,000 | 77,779,000 | 78,016,000 |
| Noninterest-bearing deposits | 16,914,000 | 18,525,000 | 17,102,000 | 17,530,000 |
| Equity capital | 15,270,000 | 13,593,000 | 13,792,000 | 14,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,933,000 | 3,794,000 | 5,727,000 | 7,634,000 |
| Interest expense | 658,000 | 1,294,000 | 1,903,000 | 2,509,000 |
| Net interest income | 1,275,000 | 2,500,000 | 3,824,000 | 5,125,000 |
| Noninterest income | 300,000 | 619,000 | 928,000 | 1,232,000 |
| Noninterest expense | 993,000 | 2,053,000 | 3,153,000 | 4,272,000 |
| Provision for loan losses | 158,000 | 2,120,000 | 2,195,000 | 1,710,000 |
| Pretax income | 431,000 | -1,046,000 | -578,000 | 396,000 |
| Income tax | 100,000 | 0 | 0 | 0 |
| Net income | 331,000 | -1,046,000 | -578,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,212,000 | 13,755,000 | 14,143,000 | 14,958,000 |
| Total capital | 16,065,000 | 14,612,000 | 14,989,000 | 15,792,000 |
| Risk-weighted assets | 68,300,000 | 66,635,000 | 65,943,000 | 65,636,000 |