Call reports 2011
GUARANTY BANK INC. — 2011
What GUARANTY BANK INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 116,004,000 | 114,480,000 | 114,967,000 | 113,582,000 |
| Total loans | 62,700,000 | 60,902,000 | 58,380,000 | 57,377,000 |
| Allowance for loan losses | 1,609,000 | 1,597,000 | 1,501,000 | 1,420,000 |
| Securities available for sale | 26,536,000 | 28,357,000 | 31,628,000 | 35,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,839,000 | 97,921,000 | 98,262,000 | 96,510,000 |
| Interest-bearing deposits | 81,360,000 | 79,119,000 | 78,529,000 | 76,735,000 |
| Noninterest-bearing deposits | 18,479,000 | 18,802,000 | 19,733,000 | 19,775,000 |
| Equity capital | 15,726,000 | 16,089,000 | 16,225,000 | 16,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,130,000 | 4,613,000 | 6,057,000 |
| Interest expense | 328,000 | 641,000 | 940,000 | 1,226,000 |
| Net interest income | 1,278,000 | 2,489,000 | 3,673,000 | 4,831,000 |
| Noninterest income | 234,000 | 408,000 | 590,000 | 813,000 |
| Noninterest expense | 1,203,000 | 2,360,000 | 3,553,000 | 4,667,000 |
| Provision for loan losses | 0 | 11,000 | 11,000 | 11,000 |
| Pretax income | 307,000 | 518,000 | 708,000 | 990,000 |
| Income tax | 78,000 | 133,000 | 170,000 | -214,000 |
| Net income | 229,000 | 385,000 | 538,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,938,000 | 15,934,000 | 16,007,000 | 16,553,000 |
| Total capital | 16,756,000 | 16,722,000 | 16,773,000 | 17,307,000 |
| Risk-weighted assets | 64,617,000 | 62,218,000 | 60,537,000 | 59,628,000 |