Call reports 2009
GUARANTY BANK INC. — 2009
What GUARANTY BANK INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 111,455,000 | 112,909,000 | 112,981,000 | 115,202,000 |
| Total loans | 65,810,000 | 65,413,000 | 66,261,000 | 66,053,000 |
| Allowance for loan losses | 1,647,000 | 1,742,000 | 1,716,000 | 1,740,000 |
| Securities available for sale | 19,886,000 | 21,209,000 | 22,346,000 | 22,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,195,000 | 97,591,000 | 97,194,000 | 99,749,000 |
| Interest-bearing deposits | 77,885,000 | 78,635,000 | 78,766,000 | 79,762,000 |
| Noninterest-bearing deposits | 18,310,000 | 18,956,000 | 18,428,000 | 19,987,000 |
| Equity capital | 14,826,000 | 14,943,000 | 15,376,000 | 15,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,789,000 | 3,516,000 | 5,263,000 | 6,980,000 |
| Interest expense | 563,000 | 1,095,000 | 1,578,000 | 2,044,000 |
| Net interest income | 1,226,000 | 2,421,000 | 3,685,000 | 4,936,000 |
| Noninterest income | 221,000 | 460,000 | 727,000 | 969,000 |
| Noninterest expense | 1,110,000 | 2,194,000 | 3,352,000 | 4,489,000 |
| Provision for loan losses | 48,000 | 48,000 | 200,000 | 375,000 |
| Pretax income | 289,000 | 644,000 | 865,000 | 1,060,000 |
| Income tax | 59,000 | 140,000 | 210,000 | 251,000 |
| Net income | 230,000 | 504,000 | 655,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,948,000 | 15,221,000 | 15,293,000 | 15,287,000 |
| Total capital | 15,773,000 | 16,044,000 | 16,135,000 | 16,139,000 |
| Risk-weighted assets | 65,154,000 | 64,916,000 | 66,440,000 | 67,245,000 |