Call reports 2017
GUARANTY STATE BANK AND TRUST COMPANY — 2017
What GUARANTY STATE 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 | 270,235,000 | 281,134,000 | 279,291,000 | 287,526,000 |
| Total loans | 243,446,000 | 248,830,000 | 247,626,000 | 253,893,000 |
| Allowance for loan losses | 3,227,000 | 3,390,000 | 3,810,000 | 3,054,000 |
| Securities available for sale | 13,687,000 | 16,122,000 | 15,359,000 | 14,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,622,000 | 215,746,000 | 213,909,000 | 226,116,000 |
| Interest-bearing deposits | 170,499,000 | 177,218,000 | 174,579,000 | 180,886,000 |
| Noninterest-bearing deposits | 37,123,000 | 38,528,000 | 39,330,000 | 45,230,000 |
| Equity capital | 32,516,000 | 33,151,000 | 33,636,000 | 34,151,000 |
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 | 3,082,000 | 6,254,000 | 9,523,000 | 12,742,000 |
| Interest expense | 411,000 | 851,000 | 1,301,000 | 1,764,000 |
| Net interest income | 2,671,000 | 5,403,000 | 8,222,000 | 10,978,000 |
| Noninterest income | 249,000 | 439,000 | 642,000 | 827,000 |
| Noninterest expense | 1,718,000 | 3,389,000 | 4,934,000 | 7,061,000 |
| Provision for loan losses | 125,000 | 305,000 | 705,000 | 855,000 |
| Pretax income | 1,077,000 | 2,148,000 | 3,247,000 | 3,911,000 |
| Income tax | 320,000 | 755,000 | 1,332,000 | 1,366,000 |
| Net income | 757,000 | 1,393,000 | 1,915,000 | 2,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,614,000 | 32,048,000 | 31,951,000 | 32,864,000 |
| Total capital | 34,841,000 | 35,401,000 | 35,279,000 | 35,918,000 |
| Risk-weighted assets | 267,439,000 | 268,200,000 | 265,619,000 | 267,645,000 |