Call reports 2016
STATE GUARANTY BANK — 2016
What STATE GUARANTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 46,508,000 | 46,893,000 | 46,127,000 | 47,249,000 |
| Total loans | 32,531,000 | 33,024,000 | 32,144,000 | 32,580,000 |
| Allowance for loan losses | 145,000 | 160,000 | 176,000 | 195,000 |
| Securities available for sale | 7,110,000 | 7,178,000 | 7,128,000 | 6,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,520,000 | 40,700,000 | 39,907,000 | 41,387,000 |
| Interest-bearing deposits | 33,835,000 | 34,566,000 | 33,545,000 | 34,798,000 |
| Noninterest-bearing deposits | 6,685,000 | 6,134,000 | 6,362,000 | 6,589,000 |
| Equity capital | 5,710,000 | 5,901,000 | 5,915,000 | 5,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 858,000 | 1,291,000 | 1,720,000 |
| Interest expense | 46,000 | 92,000 | 140,000 | 188,000 |
| Net interest income | 380,000 | 766,000 | 1,151,000 | 1,532,000 |
| Noninterest income | 94,000 | 165,000 | 217,000 | 264,000 |
| Noninterest expense | 230,000 | 447,000 | 695,000 | 1,034,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 55,000 |
| Pretax income | 229,000 | 454,000 | 633,000 | 707,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 229,000 | 454,000 | 633,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,443,000 | 5,556,000 | 5,610,000 | 5,597,000 |
| Total capital | 5,588,000 | 5,716,000 | 5,786,000 | 5,792,000 |
| Risk-weighted assets | 37,957,000 | 38,703,000 | 37,641,000 | 38,175,000 |