Call reports 2019
GUARANTY BANK INC. — 2019
What GUARANTY BANK INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 84,077,000 | 83,822,000 | 84,405,000 | 87,962,000 |
| Total loans | 57,726,000 | 61,711,000 | 65,489,000 | 66,570,000 |
| Allowance for loan losses | 584,000 | 518,000 | 312,000 | 382,000 |
| Securities available for sale | 16,647,000 | 14,598,000 | 10,851,000 | 10,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,934,000 | 73,043,000 | 74,207,000 | 77,825,000 |
| Interest-bearing deposits | 56,044,000 | 56,489,000 | 57,970,000 | 60,882,000 |
| Noninterest-bearing deposits | 17,890,000 | 16,554,000 | 16,237,000 | 16,943,000 |
| Equity capital | 8,638,000 | 8,602,000 | 8,728,000 | 8,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,032,000 | 1,974,000 | 3,081,000 | 4,153,000 |
| Interest expense | 155,000 | 335,000 | 537,000 | 758,000 |
| Net interest income | 877,000 | 1,639,000 | 2,544,000 | 3,395,000 |
| Noninterest income | 168,000 | 352,000 | 559,000 | 750,000 |
| Noninterest expense | 953,000 | 1,908,000 | 2,857,000 | 3,886,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 130,000 |
| Pretax income | 92,000 | 84,000 | 242,000 | 130,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 92,000 | 84,000 | 242,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,577,000 | 8,503,000 | 8,631,000 | 8,535,000 |
| Total capital | 9,161,000 | 9,021,000 | 8,943,000 | 8,917,000 |
| Risk-weighted assets | 54,883,000 | 56,724,000 | 57,782,000 | 59,290,000 |