Call reports 2017
STATE GUARANTY BANK — 2017
What STATE GUARANTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 49,292,000 | 49,982,000 | 52,247,000 | 53,078,000 |
| Total loans | 33,172,000 | 34,843,000 | 35,151,000 | 35,405,000 |
| Allowance for loan losses | 212,000 | 228,000 | 242,000 | 257,000 |
| Securities available for sale | 6,806,000 | 6,981,000 | 6,955,000 | 7,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,566,000 | 43,947,000 | 46,081,000 | 46,965,000 |
| Interest-bearing deposits | 36,035,000 | 36,525,000 | 38,771,000 | 39,286,000 |
| Noninterest-bearing deposits | 7,531,000 | 7,422,000 | 7,310,000 | 7,679,000 |
| Equity capital | 5,404,000 | 5,692,000 | 5,813,000 | 5,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 900,000 | 1,409,000 | 1,916,000 |
| Interest expense | 52,000 | 111,000 | 177,000 | 250,000 |
| Net interest income | 389,000 | 789,000 | 1,232,000 | 1,666,000 |
| Noninterest income | 54,000 | 103,000 | 149,000 | 225,000 |
| Noninterest expense | 244,000 | 486,000 | 730,000 | 1,113,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 184,000 | 376,000 | 606,000 | 718,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 184,000 | 376,000 | 606,000 | 718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,382,000 | 5,484,000 | 5,621,000 | 5,623,000 |
| Total capital | 5,594,000 | 5,712,000 | 5,863,000 | 5,880,000 |
| Risk-weighted assets | 37,893,000 | 39,068,000 | 39,765,000 | 39,113,000 |