Call reports 2003
GUARANTEE STATE BANK, THE — 2003
What GUARANTEE STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 54,071,000 | 49,518,000 | 49,422,000 | 51,194,000 |
| Total loans | 32,458,000 | 32,269,000 | 34,665,000 | 38,149,000 |
| Allowance for loan losses | 309,000 | 298,000 | 288,000 | 323,000 |
| Securities available for sale | 14,121,000 | 9,638,000 | 7,468,000 | 5,768,000 |
| Securities held to maturity | 50,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,151,000 | 43,804,000 | 41,704,000 | 43,085,000 |
| Interest-bearing deposits | 42,476,000 | 38,148,000 | 35,304,000 | 37,084,000 |
| Noninterest-bearing deposits | 5,675,000 | 5,656,000 | 6,399,000 | 6,001,000 |
| Equity capital | 3,635,000 | 3,597,000 | 3,624,000 | 3,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,411,000 | 2,056,000 | 2,801,000 |
| Interest expense | 204,000 | 385,000 | 549,000 | 707,000 |
| Net interest income | 524,000 | 1,026,000 | 1,507,000 | 2,094,000 |
| Noninterest income | 52,000 | 119,000 | 257,000 | 338,000 |
| Noninterest expense | 496,000 | 1,035,000 | 1,591,000 | 2,352,000 |
| Provision for loan losses | 0 | 0 | 0 | 69,000 |
| Pretax income | 110,000 | 221,000 | 290,000 | 120,000 |
| Income tax | 38,000 | 63,000 | 63,000 | 63,000 |
| Net income | 72,000 | 158,000 | 227,000 | 57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,511,000 | 3,596,000 | 3,666,000 | 3,496,000 |
| Total capital | 3,820,000 | 3,894,000 | 3,954,000 | 3,819,000 |
| Risk-weighted assets | 35,800,000 | 35,043,000 | 37,392,000 | 42,256,000 |