Call reports 2019
GUARANTY BANK — 2019
What GUARANTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 980,265,000 | 976,045,000 | 1,014,818,000 | 1,010,051,000 |
| Total loans | 771,240,000 | 760,776,000 | 752,525,000 | 731,126,000 |
| Allowance for loan losses | 7,847,000 | 7,670,000 | 7,557,000 | 7,608,000 |
| Securities available for sale | 98,794,000 | 95,031,000 | 106,354,000 | 118,245,000 |
| Securities held to maturity | 11,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 808,955,000 | 804,498,000 | 842,672,000 | 823,399,000 |
| Interest-bearing deposits | 626,877,000 | 616,580,000 | 627,315,000 | 614,233,000 |
| Noninterest-bearing deposits | 182,078,000 | 187,918,000 | 215,357,000 | 209,166,000 |
| Equity capital | 106,808,000 | 107,929,000 | 107,106,000 | 108,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,096,000 | 22,395,000 | 33,973,000 | 45,218,000 |
| Interest expense | 2,965,000 | 6,055,000 | 9,220,000 | 12,203,000 |
| Net interest income | 8,131,000 | 16,340,000 | 24,753,000 | 33,015,000 |
| Noninterest income | 1,611,000 | 3,468,000 | 5,397,000 | 7,053,000 |
| Noninterest expense | 6,485,000 | 12,932,000 | 19,507,000 | 26,099,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 200,000 |
| Pretax income | 3,226,000 | 6,825,000 | 10,523,000 | 13,859,000 |
| Income tax | 586,000 | 1,202,000 | 1,830,000 | 2,405,000 |
| Net income | 2,640,000 | 5,623,000 | 8,693,000 | 11,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,120,000 | 101,722,000 | 100,912,000 | 104,480,000 |
| Total capital | 107,967,000 | 109,392,000 | 108,469,000 | 112,088,000 |
| Risk-weighted assets | 866,904,000 | 872,097,000 | 834,804,000 | 845,453,000 |
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