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 | 1,025,077,000 | 997,399,000 | 995,269,000 | 1,008,937,000 |
| Total loans | 765,559,000 | 766,474,000 | 785,765,000 | 729,658,000 |
| Allowance for loan losses | 10,420,000 | 10,415,000 | 11,109,000 | 10,658,000 |
| Securities available for sale | 10,310,000 | 10,047,000 | 9,811,000 | 11,352,000 |
| Securities held to maturity | 709,000 | 702,000 | 697,000 | 688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 992,213,000 | 964,525,000 | 967,203,000 | 951,032,000 |
| Interest-bearing deposits | 702,225,000 | 689,485,000 | 679,422,000 | 667,512,000 |
| Noninterest-bearing deposits | 289,988,000 | 275,040,000 | 287,781,000 | 283,520,000 |
| Equity capital | 23,958,000 | 23,680,000 | 19,536,000 | 20,469,000 |
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 | 7,707,000 | 15,496,000 | 23,427,000 | 31,399,000 |
| Interest expense | 48,000 | 98,000 | 178,000 | 269,000 |
| Net interest income | 7,659,000 | 15,398,000 | 23,249,000 | 31,130,000 |
| Noninterest income | 15,418,000 | 32,124,000 | 47,931,000 | 63,594,000 |
| Noninterest expense | 23,887,000 | 47,611,000 | 73,479,000 | 95,255,000 |
| Provision for loan losses | 69,000 | 1,038,000 | 2,978,000 | 3,575,000 |
| Pretax income | -879,000 | -1,127,000 | -5,277,000 | -4,106,000 |
| Income tax | -1,000 | 73,000 | 72,000 | 87,000 |
| Net income | -878,000 | -1,200,000 | -5,349,000 | -4,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,260,000 | 22,999,000 | 18,914,000 | 20,018,000 |
| Total capital | 32,102,000 | 31,801,000 | 27,875,000 | 28,358,000 |
| Risk-weighted assets | 704,609,000 | 701,084,000 | 713,515,000 | 664,331,000 |