Call reports 2018
GUARANTY STATE BANK AND TRUST COMPANY — 2018
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 281,156,000 | 276,294,000 | 272,806,000 | 278,428,000 |
| Total loans | 249,635,000 | 238,602,000 | 234,593,000 | 222,765,000 |
| Allowance for loan losses | 3,938,000 | 3,800,000 | 3,878,000 | 3,893,000 |
| Securities available for sale | 14,897,000 | 16,622,000 | 16,032,000 | 16,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,169,000 | 219,909,000 | 219,001,000 | 229,024,000 |
| Interest-bearing deposits | 175,663,000 | 177,343,000 | 177,853,000 | 182,903,000 |
| Noninterest-bearing deposits | 42,506,000 | 42,566,000 | 41,148,000 | 46,121,000 |
| Equity capital | 34,325,000 | 35,080,000 | 35,932,000 | 35,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,376,000 | 6,642,000 | 9,999,000 | 13,301,000 |
| Interest expense | 511,000 | 1,033,000 | 1,568,000 | 2,113,000 |
| Net interest income | 2,865,000 | 5,609,000 | 8,431,000 | 11,188,000 |
| Noninterest income | 308,000 | 485,000 | 662,000 | 843,000 |
| Noninterest expense | 1,620,000 | 3,376,000 | 5,045,000 | 6,425,000 |
| Provision for loan losses | 913,000 | 825,000 | 875,000 | 3,225,000 |
| Pretax income | 640,000 | 1,893,000 | 3,173,000 | 2,381,000 |
| Income tax | 287,000 | 564,000 | 884,000 | 680,000 |
| Net income | 353,000 | 1,329,000 | 2,289,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,587,000 | 34,393,000 | 35,069,000 | 34,327,000 |
| Total capital | 36,904,000 | 37,587,000 | 38,225,000 | 37,308,000 |
| Risk-weighted assets | 264,716,000 | 254,880,000 | 251,772,000 | 237,567,000 |
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