Call reports 2014
GUARANTY BANK — 2014
What GUARANTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 322,850,000 | 330,328,000 | 330,858,000 | 348,974,000 |
| Total loans | 278,190,000 | 283,660,000 | 279,310,000 | 283,569,000 |
| Allowance for loan losses | 2,967,000 | 3,117,000 | 3,267,000 | 3,259,000 |
| Securities available for sale | 1,100,000 | 1,100,000 | 1,100,000 | 1,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,854,000 | 264,126,000 | 268,557,000 | 285,900,000 |
| Interest-bearing deposits | 229,450,000 | 225,835,000 | 228,000,000 | 228,403,000 |
| Noninterest-bearing deposits | 33,404,000 | 38,291,000 | 40,557,000 | 57,497,000 |
| Equity capital | 26,676,000 | 27,775,000 | 28,776,000 | 29,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,016,000 | 6,250,000 | 9,391,000 | 12,544,000 |
| Interest expense | 537,000 | 1,075,000 | 1,603,000 | 2,139,000 |
| Net interest income | 2,479,000 | 5,175,000 | 7,788,000 | 10,405,000 |
| Noninterest income | 118,000 | 307,000 | 518,000 | 743,000 |
| Noninterest expense | 1,658,000 | 3,331,000 | 5,042,000 | 6,897,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 789,000 | 1,851,000 | 2,814,000 | 3,701,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 789,000 | 1,851,000 | 2,814,000 | 3,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,676,000 | 27,775,000 | 28,776,000 | 29,694,000 |
| Total capital | 32,643,000 | 33,892,000 | 35,043,000 | 35,953,000 |
| Risk-weighted assets | 269,043,000 | 273,943,000 | 268,808,000 | 269,732,000 |