Call reports 2004
GUARANTEE STATE BANK, THE — 2004
What GUARANTEE STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,160,000 | 53,759,000 | 56,356,000 | 57,878,000 |
| Total loans | 39,572,000 | 41,895,000 | 45,346,000 | 47,774,000 |
| Allowance for loan losses | 243,000 | 240,000 | 239,000 | 239,000 |
| Securities available for sale | 4,052,000 | 3,553,000 | 2,828,000 | 2,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,547,000 | 44,481,000 | 43,868,000 | 44,442,000 |
| Interest-bearing deposits | 38,013,000 | 38,651,000 | 37,601,000 | 38,162,000 |
| Noninterest-bearing deposits | 5,534,000 | 5,830,000 | 6,267,000 | 6,279,000 |
| Equity capital | 3,518,000 | 3,561,000 | 4,466,000 | 4,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 762,000 | 1,602,000 | 2,561,000 | 3,564,000 |
| Interest expense | 165,000 | 333,000 | 537,000 | 774,000 |
| Net interest income | 597,000 | 1,269,000 | 2,024,000 | 2,790,000 |
| Noninterest income | 97,000 | 268,000 | 442,000 | 619,000 |
| Noninterest expense | 675,000 | 1,384,000 | 2,149,000 | 2,927,000 |
| Provision for loan losses | 7,000 | 8,000 | 19,000 | 49,000 |
| Pretax income | 9,000 | 149,000 | 288,000 | 422,000 |
| Income tax | -16,000 | 14,000 | 65,000 | 104,000 |
| Net income | 25,000 | 135,000 | 223,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,519,000 | 3,604,000 | 4,481,000 | 4,577,000 |
| Total capital | 3,762,000 | 3,844,000 | 4,720,000 | 4,816,000 |
| Risk-weighted assets | 40,017,000 | 43,400,000 | 45,869,000 | 49,926,000 |