Call reports 2005
GUARANTEE STATE BANK, THE — 2005
What GUARANTEE STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,057,000 | 53,154,000 | 52,254,000 | 51,982,000 |
| Total loans | 42,607,000 | 42,600,000 | 42,819,000 | 40,004,000 |
| Allowance for loan losses | 244,000 | 219,000 | 241,000 | 244,000 |
| Securities available for sale | 2,532,000 | 2,464,000 | 2,297,000 | 3,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,129,000 | 43,264,000 | 43,028,000 | 43,103,000 |
| Interest-bearing deposits | 36,401,000 | 35,740,000 | 35,174,000 | 35,581,000 |
| Noninterest-bearing deposits | 6,728,000 | 7,524,000 | 7,853,000 | 7,522,000 |
| Equity capital | 4,626,000 | 4,731,000 | 4,846,000 | 4,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 950,000 | 1,909,000 | 2,906,000 | 3,900,000 |
| Interest expense | 254,000 | 489,000 | 737,000 | 996,000 |
| Net interest income | 696,000 | 1,420,000 | 2,169,000 | 2,904,000 |
| Noninterest income | 186,000 | 337,000 | 506,000 | 633,000 |
| Noninterest expense | 750,000 | 1,459,000 | 2,165,000 | 2,895,000 |
| Provision for loan losses | 0 | 1,000 | 30,000 | 60,000 |
| Pretax income | 132,000 | 297,000 | 480,000 | 582,000 |
| Income tax | 40,000 | 89,000 | 146,000 | 175,000 |
| Net income | 92,000 | 208,000 | 334,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,669,000 | 4,758,000 | 4,882,000 | 4,856,000 |
| Total capital | 4,913,000 | 4,977,000 | 5,123,000 | 5,100,000 |
| Risk-weighted assets | 44,001,000 | 44,382,000 | 42,996,000 | 40,957,000 |