Call reports 2016
GUARANTY STATE BANK AND TRUST COMPANY — 2016
What GUARANTY STATE 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 | 267,678,000 | 284,843,000 | 279,608,000 | 279,288,000 |
| Total loans | 236,837,000 | 252,396,000 | 259,006,000 | 252,166,000 |
| Allowance for loan losses | 2,637,000 | 3,207,000 | 3,494,000 | 3,261,000 |
| Securities available for sale | 19,908,000 | 20,067,000 | 7,858,000 | 7,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,407,000 | 198,062,000 | 199,292,000 | 209,102,000 |
| Interest-bearing deposits | 160,837,000 | 163,624,000 | 167,238,000 | 170,725,000 |
| Noninterest-bearing deposits | 36,570,000 | 34,438,000 | 32,054,000 | 38,377,000 |
| Equity capital | 30,225,000 | 30,763,000 | 31,017,000 | 31,742,000 |
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 | 2,935,000 | 6,032,000 | 9,159,000 | 12,399,000 |
| Interest expense | 491,000 | 1,006,000 | 1,510,000 | 1,981,000 |
| Net interest income | 2,444,000 | 5,026,000 | 7,649,000 | 10,418,000 |
| Noninterest income | 316,000 | 579,000 | 645,000 | 846,000 |
| Noninterest expense | 1,544,000 | 3,040,000 | 4,455,000 | 6,029,000 |
| Provision for loan losses | 77,000 | 644,000 | 1,165,000 | 1,234,000 |
| Pretax income | 1,139,000 | 1,921,000 | 3,202,000 | 4,529,000 |
| Income tax | 325,000 | 726,000 | 1,381,000 | 1,881,000 |
| Net income | 814,000 | 1,195,000 | 1,821,000 | 2,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,027,000 | 29,412,000 | 30,038,000 | 30,515,000 |
| Total capital | 31,664,000 | 32,619,000 | 33,495,000 | 33,776,000 |
| Risk-weighted assets | 254,639,000 | 272,543,000 | 276,483,000 | 273,908,000 |