Call reports 2016
GUARANTY BANK INC. — 2016
What GUARANTY BANK INC. 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 | 78,048,000 | 77,443,000 | 74,318,000 | 72,469,000 |
| Total loans | 29,667,000 | 33,353,000 | 33,358,000 | 32,716,000 |
| Allowance for loan losses | 590,000 | 586,000 | 514,000 | 616,000 |
| Securities available for sale | 36,151,000 | 32,864,000 | 28,201,000 | 25,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,847,000 | 69,945,000 | 69,519,000 | 68,095,000 |
| Interest-bearing deposits | 57,163,000 | 54,952,000 | 54,176,000 | 53,341,000 |
| Noninterest-bearing deposits | 15,684,000 | 14,993,000 | 15,343,000 | 14,754,000 |
| Equity capital | 5,128,000 | 4,867,000 | 4,662,000 | 4,201,000 |
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 | 750,000 | 1,474,000 | 2,195,000 | 2,889,000 |
| Interest expense | 72,000 | 137,000 | 201,000 | 268,000 |
| Net interest income | 678,000 | 1,337,000 | 1,994,000 | 2,621,000 |
| Noninterest income | 180,000 | 394,000 | 527,000 | 699,000 |
| Noninterest expense | 1,013,000 | 2,195,000 | 3,134,000 | 4,047,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 159,000 |
| Pretax income | -154,000 | -456,000 | -628,000 | -886,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -154,000 | -456,000 | -628,000 | -886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,098,000 | 4,796,000 | 4,623,000 | 4,365,000 |
| Total capital | 5,557,000 | 5,274,000 | 5,090,000 | 4,820,000 |
| Risk-weighted assets | 36,624,000 | 38,100,000 | 37,336,000 | 36,253,000 |