Call reports 2012
GUARANTY STATE BANK AND TRUST COMPANY — 2012
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 166,082,000 | 164,850,000 | 167,349,000 | 176,530,000 |
| Total loans | 137,979,000 | 141,784,000 | 145,471,000 | 149,139,000 |
| Allowance for loan losses | 1,762,000 | 1,767,000 | 1,770,000 | 1,768,000 |
| Securities available for sale | 15,019,000 | 13,305,000 | 13,272,000 | 12,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,924,000 | 129,177,000 | 130,078,000 | 140,348,000 |
| Interest-bearing deposits | 110,654,000 | 110,327,000 | 110,095,000 | 115,599,000 |
| Noninterest-bearing deposits | 20,270,000 | 18,850,000 | 19,983,000 | 24,749,000 |
| Equity capital | 17,102,000 | 17,554,000 | 17,948,000 | 18,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,069,000 | 4,140,000 | 6,233,000 | 8,336,000 |
| Interest expense | 488,000 | 957,000 | 1,432,000 | 1,901,000 |
| Net interest income | 1,581,000 | 3,183,000 | 4,801,000 | 6,435,000 |
| Noninterest income | 189,000 | 317,000 | 402,000 | 515,000 |
| Noninterest expense | 929,000 | 1,874,000 | 2,936,000 | 4,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 841,000 | 1,626,000 | 2,267,000 | 2,718,000 |
| Income tax | 205,000 | 559,000 | 816,000 | 923,000 |
| Net income | 636,000 | 1,067,000 | 1,451,000 | 1,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,609,000 | 17,040,000 | 17,424,000 | 17,769,000 |
| Total capital | 18,371,000 | 18,807,000 | 19,194,000 | 19,537,000 |
| Risk-weighted assets | 146,608,000 | 148,596,000 | 153,098,000 | 158,604,000 |