Call reports 2014
GUARANTY STATE BANK AND TRUST COMPANY — 2014
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 236,354,000 | 240,859,000 | 239,400,000 | 246,664,000 |
| Total loans | 165,799,000 | 174,856,000 | 174,007,000 | 187,760,000 |
| Allowance for loan losses | 2,225,000 | 2,305,000 | 2,226,000 | 2,212,000 |
| Securities available for sale | 51,259,000 | 54,757,000 | 50,642,000 | 42,513,000 |
| Securities held to maturity | 0 | 0 | 5,371,000 | 6,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,701,000 | 190,080,000 | 189,840,000 | 198,085,000 |
| Interest-bearing deposits | 162,705,000 | 158,773,000 | 154,483,000 | 156,345,000 |
| Noninterest-bearing deposits | 31,996,000 | 31,307,000 | 35,357,000 | 41,740,000 |
| Equity capital | 24,714,000 | 25,580,000 | 26,790,000 | 27,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,150,000 | 4,676,000 | 7,210,000 | 9,845,000 |
| Interest expense | 428,000 | 884,000 | 1,345,000 | 1,797,000 |
| Net interest income | 1,722,000 | 3,792,000 | 5,865,000 | 8,048,000 |
| Noninterest income | 144,000 | 361,000 | 811,000 | 954,000 |
| Noninterest expense | 1,127,000 | 2,456,000 | 3,775,000 | 5,544,000 |
| Provision for loan losses | 0 | 80,000 | -301,000 | -301,000 |
| Pretax income | 739,000 | 1,619,000 | 3,211,000 | 3,769,000 |
| Income tax | 240,000 | 602,000 | 1,062,000 | 1,221,000 |
| Net income | 499,000 | 1,017,000 | 2,149,000 | 2,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,691,000 | 25,210,000 | 26,341,000 | 26,746,000 |
| Total capital | 26,916,000 | 27,515,000 | 28,567,000 | 28,958,000 |
| Risk-weighted assets | 181,061,000 | 193,633,000 | 191,945,000 | 203,920,000 |
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