Call reports 2015
GUARANTY STATE BANK AND TRUST COMPANY — 2015
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 249,699,000 | 253,104,000 | 251,984,000 | 263,828,000 |
| Total loans | 200,655,000 | 216,399,000 | 218,006,000 | 228,987,000 |
| Allowance for loan losses | 2,332,000 | 2,386,000 | 2,462,000 | 2,563,000 |
| Securities available for sale | 34,225,000 | 27,753,000 | 23,537,000 | 16,520,000 |
| Securities held to maturity | 6,110,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,839,000 | 189,688,000 | 195,151,000 | 199,991,000 |
| Interest-bearing deposits | 156,107,000 | 153,943,000 | 159,586,000 | 160,305,000 |
| Noninterest-bearing deposits | 37,732,000 | 35,745,000 | 35,565,000 | 39,686,000 |
| Equity capital | 28,092,000 | 28,451,000 | 29,168,000 | 29,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,569,000 | 5,299,000 | 8,167,000 | 11,079,000 |
| Interest expense | 440,000 | 888,000 | 1,349,000 | 1,822,000 |
| Net interest income | 2,129,000 | 4,411,000 | 6,818,000 | 9,257,000 |
| Noninterest income | 244,000 | 419,000 | 575,000 | 653,000 |
| Noninterest expense | 1,344,000 | 2,780,000 | 4,299,000 | 5,876,000 |
| Provision for loan losses | 120,000 | 170,000 | 245,000 | 345,000 |
| Pretax income | 915,000 | 1,950,000 | 2,947,000 | 3,787,000 |
| Income tax | 375,000 | 767,000 | 1,139,000 | 1,443,000 |
| Net income | 540,000 | 1,183,000 | 1,808,000 | 2,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,405,000 | 28,049,000 | 28,673,000 | 29,215,000 |
| Total capital | 29,737,000 | 30,435,000 | 31,135,000 | 31,778,000 |
| Risk-weighted assets | 231,813,000 | 240,406,000 | 246,591,000 | 255,801,000 |