Call reports 2019
GUARANTY STATE BANK AND TRUST COMPANY — 2019
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 282,613,000 | 277,027,000 | 285,114,000 | 298,577,000 |
| Total loans | 224,665,000 | 224,858,000 | 228,804,000 | 223,865,000 |
| Allowance for loan losses | 4,006,000 | 4,093,000 | 4,354,000 | 4,048,000 |
| Securities available for sale | 18,654,000 | 21,640,000 | 21,246,000 | 21,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,358,000 | 224,499,000 | 229,419,000 | 239,554,000 |
| Interest-bearing deposits | 186,985,000 | 183,320,000 | 188,389,000 | 193,045,000 |
| Noninterest-bearing deposits | 45,373,000 | 41,179,000 | 41,030,000 | 46,510,000 |
| Equity capital | 36,403,000 | 36,572,000 | 37,138,000 | 38,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,359,000 | 6,616,000 | 9,946,000 | 13,271,000 |
| Interest expense | 594,000 | 1,181,000 | 1,801,000 | 2,429,000 |
| Net interest income | 2,765,000 | 5,435,000 | 8,145,000 | 10,842,000 |
| Noninterest income | 295,000 | 538,000 | 756,000 | 988,000 |
| Noninterest expense | 1,784,000 | 3,674,000 | 5,382,000 | 7,428,000 |
| Provision for loan losses | 0 | 855,000 | 1,590,000 | 640,000 |
| Pretax income | 1,319,000 | 1,487,000 | 2,013,000 | 3,846,000 |
| Income tax | 264,000 | 425,000 | 655,000 | 968,000 |
| Net income | 1,055,000 | 1,062,000 | 1,358,000 | 2,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,100,000 | 35,268,000 | 35,629,000 | 37,183,000 |
| Total capital | 38,118,000 | 38,274,000 | 38,707,000 | 40,260,000 |
| Risk-weighted assets | 240,477,000 | 239,396,000 | 244,928,000 | 245,165,000 |