Call reports 2016
GUARANTY BANK — 2016
What GUARANTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 655,953,000 | 679,745,000 | 679,399,000 | 687,852,000 |
| Total loans | 497,767,000 | 527,108,000 | 534,824,000 | 546,200,000 |
| Allowance for loan losses | 6,185,000 | 6,181,000 | 6,397,000 | 5,742,000 |
| Securities available for sale | 103,638,000 | 104,780,000 | 96,479,000 | 92,399,000 |
| Securities held to maturity | 39,000 | 34,000 | 30,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 522,883,000 | 517,658,000 | 519,542,000 | 507,458,000 |
| Interest-bearing deposits | 450,495,000 | 440,927,000 | 440,781,000 | 424,452,000 |
| Noninterest-bearing deposits | 72,388,000 | 76,731,000 | 78,761,000 | 83,006,000 |
| Equity capital | 79,994,000 | 82,488,000 | 84,095,000 | 83,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,205,000 | 12,397,000 | 18,751,000 | 25,375,000 |
| Interest expense | 886,000 | 1,769,000 | 2,679,000 | 3,598,000 |
| Net interest income | 5,319,000 | 10,628,000 | 16,072,000 | 21,777,000 |
| Noninterest income | 1,064,000 | 2,196,000 | 3,487,000 | 4,777,000 |
| Noninterest expense | 3,907,000 | 7,971,000 | 12,071,000 | 16,285,000 |
| Provision for loan losses | 375,000 | 750,000 | 950,000 | 1,375,000 |
| Pretax income | 2,152,000 | 4,214,000 | 6,693,000 | 9,068,000 |
| Income tax | 629,000 | 1,159,000 | 1,826,000 | 2,448,000 |
| Net income | 1,523,000 | 3,055,000 | 4,867,000 | 6,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,159,000 | 81,691,000 | 83,502,000 | 85,255,000 |
| Total capital | 86,344,000 | 87,872,000 | 89,899,000 | 90,997,000 |
| Risk-weighted assets | 591,181,000 | 619,299,000 | 608,444,000 | 607,231,000 |