Call reports 2018
GUARANTY BANK INC. — 2018
What GUARANTY BANK INC. 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 | 77,070,000 | 77,985,000 | 79,094,000 | 81,641,000 |
| Total loans | 41,784,000 | 48,719,000 | 50,656,000 | 57,573,000 |
| Allowance for loan losses | 517,000 | 496,000 | 465,000 | 680,000 |
| Securities available for sale | 19,760,000 | 19,118,000 | 18,125,000 | 16,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,658,000 | 69,507,000 | 70,149,000 | 69,415,000 |
| Interest-bearing deposits | 51,333,000 | 52,499,000 | 53,336,000 | 52,712,000 |
| Noninterest-bearing deposits | 18,325,000 | 17,008,000 | 16,813,000 | 16,703,000 |
| Equity capital | 7,242,000 | 8,258,000 | 8,385,000 | 8,483,000 |
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 | 778,000 | 1,611,000 | 2,553,000 | 3,501,000 |
| Interest expense | 79,000 | 167,000 | 274,000 | 411,000 |
| Net interest income | 699,000 | 1,444,000 | 2,279,000 | 3,090,000 |
| Noninterest income | 167,000 | 336,000 | 499,000 | 687,000 |
| Noninterest expense | 851,000 | 1,724,000 | 2,560,000 | 3,457,000 |
| Provision for loan losses | 10,000 | 10,000 | 30,000 | 60,000 |
| Pretax income | 5,000 | 45,000 | 187,000 | 258,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 5,000 | 43,000 | 185,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,227,000 | 8,271,000 | 8,410,000 | 8,470,000 |
| Total capital | 7,744,000 | 8,767,000 | 8,875,000 | 9,143,000 |
| Risk-weighted assets | 42,272,000 | 46,918,000 | 47,957,000 | 53,866,000 |