Call reports 2003
GUARANTY BANK — 2003
What GUARANTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 189,858,000 | 189,986,000 | 197,075,000 | 198,977,000 |
| Total loans | 158,875,000 | 160,697,000 | 151,918,000 | 158,020,000 |
| Allowance for loan losses | 2,277,000 | 2,219,000 | 1,985,000 | 2,011,000 |
| Securities available for sale | 1,180,000 | 0 | 1,471,000 | 7,345,000 |
| Securities held to maturity | 751,000 | 745,000 | 2,795,000 | 11,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,854,000 | 169,608,000 | 175,843,000 | 175,468,000 |
| Interest-bearing deposits | 139,037,000 | 142,267,000 | 146,035,000 | 145,088,000 |
| Noninterest-bearing deposits | 23,817,000 | 27,341,000 | 29,808,000 | 30,380,000 |
| Equity capital | 25,305,000 | 19,074,000 | 19,527,000 | 19,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,248,000 | 7,746,000 | 10,282,000 |
| Interest expense | 483,000 | 898,000 | 1,314,000 | 1,637,000 |
| Net interest income | 2,158,000 | 4,350,000 | 6,432,000 | 8,645,000 |
| Noninterest income | 1,615,000 | 2,401,000 | 3,310,000 | 3,814,000 |
| Noninterest expense | 2,064,000 | 4,197,000 | 6,475,000 | 8,396,000 |
| Provision for loan losses | 30,000 | 1,009,000 | 811,000 | 841,000 |
| Pretax income | 1,680,000 | 1,557,000 | 2,468,000 | 3,234,000 |
| Income tax | 476,000 | 368,000 | 660,000 | 892,000 |
| Net income | 1,204,000 | 1,189,000 | 1,808,000 | 2,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,323,000 | 19,074,000 | 19,544,000 | 19,929,000 |
| Total capital | 27,275,000 | 21,045,000 | 21,489,000 | 21,930,000 |
| Risk-weighted assets | 155,855,000 | 157,413,000 | 155,610,000 | 160,063,000 |