Call reports 2014
GUARANTY BANK INC. — 2014
What GUARANTY BANK INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,168,000 | 100,729,000 | 98,662,000 | 94,389,000 |
| Total loans | 45,869,000 | 43,502,000 | 41,827,000 | 34,587,000 |
| Allowance for loan losses | 2,403,000 | 1,111,000 | 1,305,000 | 672,000 |
| Securities available for sale | 39,875,000 | 41,238,000 | 39,967,000 | 40,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,430,000 | 85,716,000 | 84,202,000 | 82,953,000 |
| Interest-bearing deposits | 70,482,000 | 68,458,000 | 67,734,000 | 66,105,000 |
| Noninterest-bearing deposits | 17,948,000 | 17,258,000 | 16,468,000 | 16,848,000 |
| Equity capital | 13,309,000 | 12,611,000 | 12,089,000 | 6,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,037,000 | 3,017,000 | 4,005,000 |
| Interest expense | 130,000 | 257,000 | 377,000 | 480,000 |
| Net interest income | 910,000 | 1,780,000 | 2,640,000 | 3,525,000 |
| Noninterest income | 220,000 | 426,000 | 603,000 | 863,000 |
| Noninterest expense | 1,136,000 | 2,582,000 | 3,733,000 | 7,523,000 |
| Provision for loan losses | 0 | 400,000 | 800,000 | 3,358,000 |
| Pretax income | -6,000 | -776,000 | -1,291,000 | -6,494,000 |
| Income tax | 0 | 7,000 | 7,000 | 707,000 |
| Net income | -6,000 | -783,000 | -1,298,000 | -7,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,416,000 | 12,639,000 | 12,124,000 | 6,221,000 |
| Total capital | 14,077,000 | 13,263,000 | 12,727,000 | 6,749,000 |
| Risk-weighted assets | 51,105,000 | 49,427,000 | 47,575,000 | 42,103,000 |