Call reports 2023
GUARANTY STATE BANK AND TRUST COMPANY — 2023
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 367,132,000 | 363,456,000 | 371,391,000 | 376,532,000 |
| Total loans | 218,959,000 | 233,137,000 | 245,376,000 | 247,550,000 |
| Allowance for loan losses | 2,951,000 | 2,944,000 | 2,969,000 | 2,832,000 |
| Securities available for sale | 114,969,000 | 111,636,000 | 105,044,000 | 108,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,404,000 | 292,710,000 | 296,262,000 | 312,648,000 |
| Interest-bearing deposits | 234,206,000 | 225,346,000 | 230,632,000 | 241,648,000 |
| Noninterest-bearing deposits | 75,198,000 | 67,364,000 | 65,630,000 | 71,000,000 |
| Equity capital | 28,881,000 | 29,325,000 | 27,116,000 | 31,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,657,000 | 7,639,000 | 11,935,000 | 16,346,000 |
| Interest expense | 992,000 | 2,427,000 | 4,125,000 | 5,866,000 |
| Net interest income | 2,665,000 | 5,212,000 | 7,810,000 | 10,480,000 |
| Noninterest income | 348,000 | 680,000 | 1,027,000 | 1,357,000 |
| Noninterest expense | 2,078,000 | 4,159,000 | 6,268,000 | 8,236,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 75,000 |
| Pretax income | 935,000 | 1,733,000 | 2,542,000 | 3,526,000 |
| Income tax | 240,000 | 375,000 | 605,000 | 680,000 |
| Net income | 695,000 | 1,358,000 | 1,937,000 | 2,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,229,000 | 40,920,000 | 41,528,000 | 42,253,000 |