Call reports 2013
GUARANTY BANK — 2013
What GUARANTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 295,049,000 | 308,422,000 | 325,052,000 | 329,301,000 |
| Total loans | 247,298,000 | 265,446,000 | 259,501,000 | 269,003,000 |
| Allowance for loan losses | 2,585,000 | 2,767,000 | 2,718,000 | 2,817,000 |
| Securities available for sale | 550,000 | 900,000 | 900,000 | 1,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,808,000 | 270,227,000 | 265,695,000 | 269,456,000 |
| Interest-bearing deposits | 231,208,000 | 236,537,000 | 234,808,000 | 229,391,000 |
| Noninterest-bearing deposits | 26,600,000 | 33,690,000 | 30,887,000 | 40,065,000 |
| Equity capital | 24,008,000 | 24,778,000 | 25,833,000 | 26,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,763,000 | 5,690,000 | 8,727,000 | 11,747,000 |
| Interest expense | 529,000 | 1,052,000 | 1,572,000 | 2,126,000 |
| Net interest income | 2,234,000 | 4,638,000 | 7,155,000 | 9,621,000 |
| Noninterest income | 245,000 | 505,000 | 727,000 | 879,000 |
| Noninterest expense | 1,609,000 | 3,357,000 | 5,129,000 | 6,872,000 |
| Provision for loan losses | 126,000 | 309,000 | 259,000 | 358,000 |
| Pretax income | 744,000 | 1,477,000 | 2,494,000 | 3,270,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 744,000 | 1,477,000 | 2,494,000 | 3,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,008,000 | 24,778,000 | 25,833,000 | 26,649,000 |
| Total capital | 29,593,000 | 30,545,000 | 31,551,000 | 32,466,000 |
| Risk-weighted assets | 238,970,000 | 254,644,000 | 249,672,000 | 261,016,000 |