Call reports 2025
GUARANTY STATE BANK AND TRUST COMPANY — 2025
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 374,598,000 | 374,963,000 | 376,797,000 | 390,435,000 |
| Total loans | 245,907,000 | 254,629,000 | 255,757,000 | 272,330,000 |
| Allowance for loan losses | 2,764,000 | 2,794,000 | 2,855,000 | 3,009,000 |
| Securities available for sale | 103,057,000 | 103,294,000 | 101,581,000 | 100,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,685,000 | 309,839,000 | 307,208,000 | 329,609,000 |
| Interest-bearing deposits | 243,602,000 | 245,960,000 | 246,979,000 | 264,936,000 |
| Noninterest-bearing deposits | 66,083,000 | 63,879,000 | 60,229,000 | 64,673,000 |
| Equity capital | 34,002,000 | 36,251,000 | 37,628,000 | 38,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,556,000 | 9,419,000 | 14,151,000 | 19,074,000 |
| Interest expense | 1,896,000 | 3,806,000 | 5,735,000 | 7,689,000 |
| Net interest income | 2,660,000 | 5,613,000 | 8,416,000 | 11,385,000 |
| Noninterest income | 501,000 | 888,000 | 1,292,000 | 1,746,000 |
| Noninterest expense | 2,061,000 | 4,108,000 | 6,302,000 | 8,799,000 |
| Provision for loan losses | -100,000 | -320,000 | -260,000 | -115,000 |
| Pretax income | 1,200,000 | 2,710,000 | 3,660,000 | 4,442,000 |
| Income tax | 243,000 | 458,000 | 698,000 | 873,000 |
| Net income | 957,000 | 2,252,000 | 2,962,000 | 3,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,729,000 | 44,027,000 | 44,259,000 | 44,853,000 |