Call reports 2024
GUARANTY STATE BANK AND TRUST COMPANY — 2024
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 363,368,000 | 369,559,000 | 385,639,000 | 383,116,000 |
| Total loans | 240,742,000 | 248,237,000 | 258,167,000 | 261,752,000 |
| Allowance for loan losses | 2,841,000 | 2,743,000 | 2,834,000 | 2,867,000 |
| Securities available for sale | 106,333,000 | 102,965,000 | 106,813,000 | 101,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,398,000 | 297,921,000 | 301,693,000 | 304,503,000 |
| Interest-bearing deposits | 240,795,000 | 235,149,000 | 240,332,000 | 239,693,000 |
| Noninterest-bearing deposits | 66,603,000 | 62,772,000 | 61,361,000 | 64,810,000 |
| Equity capital | 31,418,000 | 32,815,000 | 35,484,000 | 33,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,458,000 | 8,921,000 | 13,477,000 | 18,375,000 |
| Interest expense | 1,708,000 | 3,529,000 | 5,749,000 | 7,861,000 |
| Net interest income | 2,750,000 | 5,392,000 | 7,728,000 | 10,514,000 |
| Noninterest income | 420,000 | 722,000 | 1,060,000 | 1,356,000 |
| Noninterest expense | 2,061,000 | 4,058,000 | 6,106,000 | 8,400,000 |
| Provision for loan losses | -10,000 | -110,000 | -20,000 | 0 |
| Pretax income | 1,118,000 | 2,169,000 | 2,708,000 | 3,483,000 |
| Income tax | 250,000 | 434,000 | 584,000 | 699,000 |
| Net income | 868,000 | 1,735,000 | 2,124,000 | 2,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,390,000 | 43,264,000 | 42,870,000 | 43,385,000 |