Call reports 2015
STATE GUARANTY BANK — 2015
What STATE GUARANTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,625,000 | 44,493,000 | 45,345,000 | 45,382,000 |
| Total loans | 29,007,000 | 30,289,000 | 28,597,000 | 32,742,000 |
| Allowance for loan losses | 95,000 | 111,000 | 128,000 | 128,000 |
| Securities available for sale | 5,412,000 | 6,379,000 | 6,438,000 | 6,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,926,000 | 38,779,000 | 39,458,000 | 39,418,000 |
| Interest-bearing deposits | 34,388,000 | 31,558,000 | 32,412,000 | 32,459,000 |
| Noninterest-bearing deposits | 6,539,000 | 7,221,000 | 7,046,000 | 6,959,000 |
| Equity capital | 5,464,000 | 5,468,000 | 5,638,000 | 5,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 380,000 | 765,000 | 1,161,000 | 1,566,000 |
| Interest expense | 39,000 | 78,000 | 116,000 | 159,000 |
| Net interest income | 341,000 | 687,000 | 1,045,000 | 1,407,000 |
| Noninterest income | 92,000 | 185,000 | 281,000 | 370,000 |
| Noninterest expense | 246,000 | 487,000 | 733,000 | 1,084,000 |
| Provision for loan losses | 12,000 | 27,000 | 42,000 | 57,000 |
| Pretax income | 175,000 | 358,000 | 551,000 | 636,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 175,000 | 358,000 | 551,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,277,000 | 5,372,000 | 5,475,000 | 5,467,000 |
| Total capital | 5,372,000 | 5,483,000 | 5,603,000 | 5,595,000 |
| Risk-weighted assets | 34,893,000 | 35,601,000 | 34,419,000 | 36,603,000 |