Call reports 2017
GUARANTY BANK INC. — 2017
What GUARANTY BANK INC. 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 | 72,939,000 | 73,974,000 | 73,120,000 | 74,458,000 |
| Total loans | 35,500,000 | 40,581,000 | 42,455,000 | 42,164,000 |
| Allowance for loan losses | 603,000 | 587,000 | 569,000 | 541,000 |
| Securities available for sale | 25,620,000 | 23,353,000 | 22,811,000 | 20,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,574,000 | 68,739,000 | 67,095,000 | 67,021,000 |
| Interest-bearing deposits | 52,700,000 | 52,006,000 | 51,032,000 | 50,481,000 |
| Noninterest-bearing deposits | 15,874,000 | 16,733,000 | 16,063,000 | 16,540,000 |
| Equity capital | 4,270,000 | 5,122,000 | 5,144,000 | 7,268,000 |
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 | 699,000 | 1,443,000 | 2,257,000 | 3,093,000 |
| Interest expense | 67,000 | 134,000 | 205,000 | 278,000 |
| Net interest income | 632,000 | 1,309,000 | 2,052,000 | 2,815,000 |
| Noninterest income | 169,000 | 329,000 | 463,000 | 626,000 |
| Noninterest expense | 788,000 | 1,651,000 | 2,522,000 | 3,385,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | -22,000 | -16,000 | 42,000 |
| Income tax | 0 | 0 | 0 | 24,000 |
| Net income | 13,000 | -22,000 | -16,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,169,000 | 5,011,000 | 5,029,000 | 7,248,000 |
| Total capital | 4,648,000 | 5,516,000 | 5,545,000 | 7,760,000 |
| Risk-weighted assets | 38,183,000 | 40,317,000 | 41,203,000 | 40,912,000 |