Call reports 2015
GUARANTY BANK — 2015
What GUARANTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 667,970,000 | 652,185,000 | 644,175,000 | 652,497,000 |
| Total loans | 502,902,000 | 512,901,000 | 509,675,000 | 498,717,000 |
| Allowance for loan losses | 6,755,000 | 6,651,000 | 6,821,000 | 5,812,000 |
| Securities available for sale | 87,151,000 | 83,298,000 | 92,200,000 | 97,193,000 |
| Securities held to maturity | 56,000 | 51,000 | 47,000 | 43,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 529,885,000 | 523,138,000 | 509,557,000 | 521,597,000 |
| Interest-bearing deposits | 468,636,000 | 452,100,000 | 440,659,000 | 449,487,000 |
| Noninterest-bearing deposits | 61,249,000 | 71,038,000 | 68,898,000 | 72,110,000 |
| Equity capital | 73,709,000 | 74,674,000 | 76,815,000 | 77,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,288,000 | 12,674,000 | 18,903,000 | 25,190,000 |
| Interest expense | 959,000 | 1,937,000 | 2,848,000 | 3,741,000 |
| Net interest income | 5,329,000 | 10,737,000 | 16,055,000 | 21,449,000 |
| Noninterest income | 1,002,000 | 2,377,000 | 3,562,000 | 4,509,000 |
| Noninterest expense | 3,880,000 | 8,309,000 | 12,284,000 | 16,110,000 |
| Provision for loan losses | 150,000 | 150,000 | 350,000 | 600,000 |
| Pretax income | 2,308,000 | 4,810,000 | 7,134,000 | 9,435,000 |
| Income tax | 717,000 | 1,507,000 | 2,222,000 | 2,876,000 |
| Net income | 1,591,000 | 3,303,000 | 4,912,000 | 6,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,668,000 | 75,379,000 | 76,989,000 | 78,635,000 |
| Total capital | 80,424,000 | 82,030,000 | 83,810,000 | 84,447,000 |
| Risk-weighted assets | 554,186,000 | 571,373,000 | 582,725,000 | 585,081,000 |