Call reports 2002
GUARANTY BANK — 2002
What GUARANTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 217,553,000 | 211,264,000 | 203,519,000 | 196,777,000 |
| Total loans | 166,121,000 | 165,400,000 | 167,884,000 | 165,492,000 |
| Allowance for loan losses | 2,537,000 | 2,517,000 | 2,533,000 | 2,242,000 |
| Securities available for sale | 20,345,000 | 16,626,000 | 7,199,000 | 3,212,000 |
| Securities held to maturity | 957,000 | 883,000 | 870,000 | 836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,798,000 | 177,868,000 | 172,414,000 | 171,175,000 |
| Interest-bearing deposits | 163,793,000 | 152,318,000 | 146,418,000 | 146,534,000 |
| Noninterest-bearing deposits | 23,005,000 | 25,550,000 | 25,996,000 | 24,641,000 |
| Equity capital | 22,135,000 | 23,125,000 | 23,860,000 | 24,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,472,000 | 6,785,000 | 9,936,000 | 12,855,000 |
| Interest expense | 1,268,000 | 2,269,000 | 3,050,000 | 3,675,000 |
| Net interest income | 2,204,000 | 4,516,000 | 6,886,000 | 9,180,000 |
| Noninterest income | 637,000 | 1,164,000 | 1,766,000 | 2,434,000 |
| Noninterest expense | 2,084,000 | 4,174,000 | 6,329,000 | 8,467,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 732,000 | 1,473,000 | 2,268,000 | 3,067,000 |
| Income tax | 197,000 | 390,000 | 602,000 | 814,000 |
| Net income | 535,000 | 1,083,000 | 1,666,000 | 2,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,971,000 | 23,414,000 | 23,892,000 | 24,373,000 |
| Total capital | 25,185,000 | 25,581,000 | 26,002,000 | 26,444,000 |
| Risk-weighted assets | 176,780,000 | 173,019,000 | 168,373,000 | 165,500,000 |