Call reports 2013
GUARANTY BANK INC. — 2013
What GUARANTY BANK INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 112,067,000 | 109,256,000 | 107,264,000 | 102,874,000 |
| Total loans | 49,809,000 | 49,413,000 | 48,807,000 | 47,469,000 |
| Allowance for loan losses | 1,154,000 | 1,155,000 | 973,000 | 2,478,000 |
| Securities available for sale | 39,455,000 | 40,160,000 | 40,928,000 | 39,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,797,000 | 92,473,000 | 90,353,000 | 87,163,000 |
| Interest-bearing deposits | 74,399,000 | 73,529,000 | 72,477,000 | 70,387,000 |
| Noninterest-bearing deposits | 20,398,000 | 18,944,000 | 17,876,000 | 16,776,000 |
| Equity capital | 17,040,000 | 16,674,000 | 16,822,000 | 13,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,157,000 | 2,314,000 | 3,466,000 | 4,566,000 |
| Interest expense | 174,000 | 332,000 | 483,000 | 627,000 |
| Net interest income | 983,000 | 1,982,000 | 2,983,000 | 3,939,000 |
| Noninterest income | 198,000 | 411,000 | 629,000 | 903,000 |
| Noninterest expense | 999,000 | 2,013,000 | 3,127,000 | 6,819,000 |
| Provision for loan losses | 0 | 33,000 | 33,000 | 1,630,000 |
| Pretax income | 182,000 | 347,000 | 452,000 | -3,607,000 |
| Income tax | 44,000 | 89,000 | 100,000 | -619,000 |
| Net income | 138,000 | 258,000 | 352,000 | -2,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,885,000 | 16,925,000 | 16,939,000 | 13,422,000 |
| Total capital | 17,574,000 | 17,609,000 | 17,617,000 | 14,089,000 |
| Risk-weighted assets | 54,617,000 | 54,287,000 | 53,922,000 | 51,516,000 |