Call reports 2016
GUARANTY BANK AND TRUST COMPANY — 2016
What GUARANTY BANK AND TRUST COMPANY 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 | 202,519,000 | 197,514,000 | 196,912,000 | 205,049,000 |
| Total loans | 134,026,000 | 134,043,000 | 135,708,000 | 138,360,000 |
| Allowance for loan losses | 1,320,000 | 1,325,000 | 1,351,000 | 1,420,000 |
| Securities available for sale | 28,011,000 | 25,480,000 | 22,073,000 | 26,397,000 |
| Securities held to maturity | 7,479,000 | 2,979,000 | 2,479,000 | 4,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,499,000 | 174,881,000 | 173,703,000 | 183,008,000 |
| Interest-bearing deposits | 133,466,000 | 131,128,000 | 127,587,000 | 130,507,000 |
| Noninterest-bearing deposits | 47,033,000 | 43,753,000 | 46,116,000 | 52,501,000 |
| Equity capital | 21,138,000 | 21,719,000 | 22,226,000 | 21,675,000 |
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 | 2,133,000 | 4,300,000 | 6,494,000 | 8,800,000 |
| Interest expense | 166,000 | 330,000 | 497,000 | 663,000 |
| Net interest income | 1,967,000 | 3,970,000 | 5,997,000 | 8,137,000 |
| Noninterest income | 244,000 | 476,000 | 682,000 | 896,000 |
| Noninterest expense | 1,378,000 | 2,800,000 | 4,220,000 | 5,619,000 |
| Provision for loan losses | 10,000 | 15,000 | 58,000 | 158,000 |
| Pretax income | 823,000 | 1,631,000 | 2,401,000 | 3,256,000 |
| Income tax | 274,000 | 542,000 | 799,000 | 1,082,000 |
| Net income | 549,000 | 1,089,000 | 1,602,000 | 2,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,790,000 | 21,259,000 | 21,794,000 | 21,642,000 |
| Total capital | 22,110,000 | 22,584,000 | 23,145,000 | 23,062,000 |
| Risk-weighted assets | 115,020,000 | 113,055,000 | 114,829,000 | 117,948,000 |