Call reports 2017
GUARANTY BANK AND TRUST COMPANY — 2017
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 213,626,000 | 211,185,000 | 206,147,000 | 210,295,000 |
| Total loans | 138,214,000 | 143,761,000 | 145,373,000 | 150,025,000 |
| Allowance for loan losses | 1,420,000 | 1,423,000 | 1,432,000 | 1,495,000 |
| Securities available for sale | 31,112,000 | 31,780,000 | 30,352,000 | 28,703,000 |
| Securities held to maturity | 8,445,000 | 3,445,000 | 445,000 | 445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,527,000 | 187,670,000 | 181,988,000 | 186,261,000 |
| Interest-bearing deposits | 140,640,000 | 140,223,000 | 135,810,000 | 136,806,000 |
| Noninterest-bearing deposits | 49,887,000 | 47,447,000 | 46,178,000 | 49,455,000 |
| Equity capital | 22,316,000 | 22,886,000 | 23,419,000 | 23,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,175,000 | 4,439,000 | 6,752,000 | 9,109,000 |
| Interest expense | 167,000 | 342,000 | 521,000 | 706,000 |
| Net interest income | 2,008,000 | 4,097,000 | 6,231,000 | 8,403,000 |
| Noninterest income | 232,000 | 426,000 | 621,000 | 813,000 |
| Noninterest expense | 1,425,000 | 2,889,000 | 4,376,000 | 5,825,000 |
| Provision for loan losses | 4,000 | 10,000 | 15,000 | 74,000 |
| Pretax income | 811,000 | 1,624,000 | 2,461,000 | 3,317,000 |
| Income tax | 269,000 | 540,000 | 819,000 | 1,014,000 |
| Net income | 542,000 | 1,084,000 | 1,642,000 | 2,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,151,000 | 22,623,000 | 23,185,000 | 23,780,000 |
| Total capital | 23,571,000 | 24,046,000 | 24,617,000 | 25,275,000 |
| Risk-weighted assets | 119,276,000 | 121,575,000 | 123,574,000 | 129,767,000 |