Call reports 2020
GUARANTY STATE BANK AND TRUST COMPANY — 2020
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 293,069,000 | 311,831,000 | 315,710,000 | 329,515,000 |
| Total loans | 216,610,000 | 232,392,000 | 229,355,000 | 222,457,000 |
| Allowance for loan losses | 4,061,000 | 3,903,000 | 3,973,000 | 4,054,000 |
| Securities available for sale | 35,904,000 | 42,156,000 | 42,104,000 | 44,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,906,000 | 247,388,000 | 250,368,000 | 266,823,000 |
| Interest-bearing deposits | 184,861,000 | 190,177,000 | 196,095,000 | 201,450,000 |
| Noninterest-bearing deposits | 48,045,000 | 57,211,000 | 54,273,000 | 65,373,000 |
| Equity capital | 39,594,000 | 40,734,000 | 41,419,000 | 42,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,237,000 | 6,266,000 | 9,659,000 | 12,160,000 |
| Interest expense | 612,000 | 1,126,000 | 1,610,000 | 2,065,000 |
| Net interest income | 2,625,000 | 5,140,000 | 8,049,000 | 10,095,000 |
| Noninterest income | 341,000 | 558,000 | 771,000 | 1,391,000 |
| Noninterest expense | 1,806,000 | 3,665,000 | 5,373,000 | 7,436,000 |
| Provision for loan losses | 100,000 | 50,000 | 120,000 | 200,000 |
| Pretax income | 1,060,000 | 2,080,000 | 3,424,000 | 3,947,000 |
| Income tax | 207,000 | 457,000 | 802,000 | 937,000 |
| Net income | 853,000 | 1,623,000 | 2,622,000 | 3,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,071,000 | 38,174,000 | 38,468,000 | 39,086,000 |