Call reports 2015
GUARANTY BANK INC. — 2015
What GUARANTY BANK INC. 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 | 95,662,000 | 87,820,000 | 83,250,000 | 81,341,000 |
| Total loans | 32,172,000 | 31,460,000 | 30,633,000 | 29,858,000 |
| Allowance for loan losses | 602,000 | 568,000 | 592,000 | 600,000 |
| Securities available for sale | 41,136,000 | 42,706,000 | 39,501,000 | 36,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,736,000 | 80,272,000 | 76,757,000 | 76,136,000 |
| Interest-bearing deposits | 67,036,000 | 63,610,000 | 60,475,000 | 59,391,000 |
| Noninterest-bearing deposits | 17,700,000 | 16,662,000 | 16,282,000 | 16,745,000 |
| Equity capital | 6,169,000 | 5,831,000 | 5,503,000 | 5,181,000 |
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 | 826,000 | 1,648,000 | 2,445,000 | 3,203,000 |
| Interest expense | 98,000 | 188,000 | 272,000 | 348,000 |
| Net interest income | 728,000 | 1,460,000 | 2,173,000 | 2,855,000 |
| Noninterest income | 225,000 | 464,000 | 666,000 | 872,000 |
| Noninterest expense | 1,048,000 | 2,279,000 | 3,303,000 | 4,344,000 |
| Provision for loan losses | 0 | 0 | 280,000 | 325,000 |
| Pretax income | -92,000 | -354,000 | -745,000 | -941,000 |
| Income tax | 7,000 | 8,000 | 8,000 | 28,000 |
| Net income | -99,000 | -362,000 | -753,000 | -969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,062,000 | 5,708,000 | 5,316,000 | 5,252,000 |
| Total capital | 6,557,000 | 6,202,000 | 5,793,000 | 5,717,000 |
| Risk-weighted assets | 39,488,000 | 39,420,000 | 37,928,000 | 37,098,000 |