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 | 1,052,093,000 | 1,024,990,000 | 1,001,431,000 | 1,034,324,000 |
| Total loans | 645,850,000 | 698,627,000 | 733,113,000 | 737,766,000 |
| Allowance for loan losses | 20,445,000 | 18,727,000 | 13,134,000 | 12,070,000 |
| Securities available for sale | 22,788,000 | 23,568,000 | 10,699,000 | 10,379,000 |
| Securities held to maturity | 743,000 | 738,000 | 732,000 | 726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,016,671,000 | 990,597,000 | 964,490,000 | 981,291,000 |
| Interest-bearing deposits | 737,783,000 | 728,949,000 | 710,197,000 | 701,362,000 |
| Noninterest-bearing deposits | 278,888,000 | 261,648,000 | 254,293,000 | 279,929,000 |
| Equity capital | 25,070,000 | 23,921,000 | 27,002,000 | 24,691,000 |
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 | 6,547,000 | 13,601,000 | 20,975,000 | 28,521,000 |
| Interest expense | 72,000 | 131,000 | 183,000 | 231,000 |
| Net interest income | 6,475,000 | 13,470,000 | 20,792,000 | 28,290,000 |
| Noninterest income | 16,510,000 | 32,892,000 | 50,247,000 | 66,652,000 |
| Noninterest expense | 23,320,000 | 48,070,000 | 73,503,000 | 98,822,000 |
| Provision for loan losses | -166,000 | -407,000 | -4,183,000 | -3,402,000 |
| Pretax income | -169,000 | -1,301,000 | 1,719,000 | -478,000 |
| Income tax | 3,000 | -104,000 | -104,000 | -88,000 |
| Net income | -172,000 | -1,197,000 | 1,823,000 | -390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,521,000 | 23,472,000 | 26,500,000 | 24,303,000 |
| Total capital | 32,514,000 | 31,774,000 | 35,056,000 | 32,960,000 |
| Risk-weighted assets | 626,376,000 | 653,341,000 | 679,014,000 | 688,743,000 |