Call reports 2010
GUARANTY BANK INC. — 2010
What GUARANTY BANK INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 114,430,000 | 113,167,000 | 117,857,000 | 115,997,000 |
| Total loans | 65,403,000 | 65,178,000 | 65,646,000 | 65,672,000 |
| Allowance for loan losses | 1,716,000 | 1,770,000 | 1,727,000 | 1,712,000 |
| Securities available for sale | 23,120,000 | 24,450,000 | 25,332,000 | 25,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,726,000 | 97,149,000 | 101,400,000 | 100,149,000 |
| Interest-bearing deposits | 80,529,000 | 79,972,000 | 82,345,000 | 81,664,000 |
| Noninterest-bearing deposits | 18,197,000 | 17,177,000 | 19,055,000 | 18,485,000 |
| Equity capital | 15,343,000 | 15,681,000 | 16,007,000 | 15,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,651,000 | 3,342,000 | 5,070,000 | 6,799,000 |
| Interest expense | 423,000 | 829,000 | 1,227,000 | 1,595,000 |
| Net interest income | 1,228,000 | 2,513,000 | 3,843,000 | 5,204,000 |
| Noninterest income | 243,000 | 485,000 | 776,000 | 1,088,000 |
| Noninterest expense | 1,147,000 | 2,188,000 | 3,403,000 | 4,588,000 |
| Provision for loan losses | 50,000 | 250,000 | 320,000 | 500,000 |
| Pretax income | 290,000 | 589,000 | 931,000 | 1,237,000 |
| Income tax | 62,000 | 142,000 | 240,000 | 335,000 |
| Net income | 228,000 | 447,000 | 691,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,434,000 | 15,573,000 | 15,737,000 | 15,709,000 |
| Total capital | 16,277,000 | 16,408,000 | 16,587,000 | 16,555,000 |
| Risk-weighted assets | 66,578,000 | 65,851,000 | 67,159,000 | 66,813,000 |