Call reports 2009
GUARANTY BANK — 2009
What GUARANTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 79,025,000 | 120,477,000 | 150,211,000 | 160,765,000 |
| Total loans | 48,394,000 | 63,630,000 | 82,693,000 | 103,983,000 |
| Allowance for loan losses | 532,000 | 700,000 | 910,000 | 1,244,000 |
| Securities available for sale | 996,000 | 492,000 | 499,000 | 499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,309,000 | 101,208,000 | 131,591,000 | 142,519,000 |
| Interest-bearing deposits | 51,191,000 | 91,468,000 | 121,705,000 | 130,974,000 |
| Noninterest-bearing deposits | 8,118,000 | 9,740,000 | 9,886,000 | 11,545,000 |
| Equity capital | 19,224,000 | 18,664,000 | 18,207,000 | 17,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 544,000 | 1,407,000 | 2,589,000 | 3,970,000 |
| Interest expense | 267,000 | 758,000 | 1,369,000 | 1,970,000 |
| Net interest income | 277,000 | 649,000 | 1,220,000 | 2,000,000 |
| Noninterest income | 3,000 | 11,000 | 23,000 | 38,000 |
| Noninterest expense | 667,000 | 1,444,000 | 2,283,000 | 3,202,000 |
| Provision for loan losses | 246,000 | 414,000 | 624,000 | 958,000 |
| Pretax income | -633,000 | -1,198,000 | -1,664,000 | -2,122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -633,000 | -1,198,000 | -1,664,000 | -2,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,219,000 | 18,664,000 | 18,206,000 | 17,764,000 |
| Total capital | 19,751,000 | 19,364,000 | 19,116,000 | 19,008,000 |
| Risk-weighted assets | 54,234,000 | 73,288,000 | 94,388,000 | 111,162,000 |