Call reports 2022
GUARANTY STATE BANK AND TRUST COMPANY — 2022
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 359,924,000 | 353,825,000 | 355,247,000 | 360,681,000 |
| Total loans | 209,623,000 | 217,396,000 | 222,388,000 | 225,214,000 |
| Allowance for loan losses | 2,885,000 | 2,922,000 | 2,965,000 | 2,978,000 |
| Securities available for sale | 119,781,000 | 116,864,000 | 111,719,000 | 113,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,807,000 | 289,485,000 | 292,236,000 | 293,055,000 |
| Interest-bearing deposits | 224,280,000 | 215,133,000 | 216,204,000 | 215,512,000 |
| Noninterest-bearing deposits | 80,527,000 | 74,352,000 | 76,032,000 | 77,543,000 |
| Equity capital | 34,536,000 | 30,865,000 | 27,251,000 | 28,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,911,000 | 6,037,000 | 9,438,000 | 13,010,000 |
| Interest expense | 382,000 | 800,000 | 1,441,000 | 2,314,000 |
| Net interest income | 2,529,000 | 5,237,000 | 7,997,000 | 10,696,000 |
| Noninterest income | 399,000 | 635,000 | 862,000 | 1,210,000 |
| Noninterest expense | 1,754,000 | 3,667,000 | 5,577,000 | 8,123,000 |
| Provision for loan losses | 0 | 30,000 | 90,000 | 90,000 |
| Pretax income | 1,283,000 | 2,284,000 | 3,301,000 | 3,802,000 |
| Income tax | 239,000 | 454,000 | 719,000 | 794,000 |
| Net income | 1,044,000 | 1,830,000 | 2,582,000 | 3,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,802,000 | 40,431,000 | 41,209,000 | 41,665,000 |