Call reports 2012
GUARANTY BANK INC. — 2012
What GUARANTY BANK INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 118,325,000 | 116,262,000 | 113,054,000 | 111,639,000 |
| Total loans | 55,324,000 | 53,288,000 | 52,366,000 | 51,368,000 |
| Allowance for loan losses | 1,374,000 | 1,404,000 | 1,216,000 | 1,189,000 |
| Securities available for sale | 41,294,000 | 39,957,000 | 38,817,000 | 35,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,214,000 | 98,836,000 | 95,582,000 | 94,420,000 |
| Interest-bearing deposits | 79,718,000 | 77,814,000 | 76,154,000 | 75,122,000 |
| Noninterest-bearing deposits | 21,496,000 | 21,022,000 | 19,428,000 | 19,298,000 |
| Equity capital | 16,801,000 | 17,020,000 | 17,164,000 | 17,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,366,000 | 2,829,000 | 4,140,000 | 5,381,000 |
| Interest expense | 250,000 | 480,000 | 691,000 | 887,000 |
| Net interest income | 1,116,000 | 2,349,000 | 3,449,000 | 4,494,000 |
| Noninterest income | 194,000 | 359,000 | 544,000 | 792,000 |
| Noninterest expense | 1,047,000 | 2,159,000 | 3,134,000 | 4,272,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 60,000 |
| Pretax income | 268,000 | 525,000 | 805,000 | 961,000 |
| Income tax | 64,000 | 126,000 | 175,000 | 288,000 |
| Net income | 204,000 | 399,000 | 630,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,677,000 | 16,792,000 | 16,943,000 | 16,826,000 |
| Total capital | 17,427,000 | 17,520,000 | 17,658,000 | 17,524,000 |
| Risk-weighted assets | 59,385,000 | 57,580,000 | 56,723,000 | 55,389,000 |