Call reports 2018
STATE GUARANTY BANK — 2018
What STATE GUARANTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 54,115,000 | 52,145,000 | 52,217,000 | 50,438,000 |
| Total loans | 35,145,000 | 33,880,000 | 34,764,000 | 34,666,000 |
| Allowance for loan losses | 274,000 | 291,000 | 308,000 | 324,000 |
| Securities available for sale | 7,690,000 | 7,682,000 | 7,622,000 | 7,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,149,000 | 46,038,000 | 46,047,000 | 44,182,000 |
| Interest-bearing deposits | 40,851,000 | 38,038,000 | 38,197,000 | 36,911,000 |
| Noninterest-bearing deposits | 7,298,000 | 8,000,000 | 7,850,000 | 7,271,000 |
| Equity capital | 5,569,000 | 5,674,000 | 5,739,000 | 5,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,033,000 | 1,571,000 | 2,132,000 |
| Interest expense | 73,000 | 146,000 | 229,000 | 316,000 |
| Net interest income | 440,000 | 887,000 | 1,342,000 | 1,816,000 |
| Noninterest income | 66,000 | 113,000 | 158,000 | 182,000 |
| Noninterest expense | 208,000 | 447,000 | 699,000 | 1,099,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 283,000 | 523,000 | 756,000 | 839,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 283,000 | 523,000 | 756,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,587,000 | 5,690,000 | 5,806,000 | 5,775,000 |
| Total capital | 5,861,000 | 5,981,000 | 6,114,000 | 6,099,000 |
| Risk-weighted assets | 38,736,000 | 36,983,000 | 37,888,000 | 37,431,000 |