Call reports 2020
GUARANTY BANK INC. — 2020
What GUARANTY BANK INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 88,179,000 | 93,153,000 | 109,734,000 | 121,898,000 |
| Total loans | 66,149,000 | 68,752,000 | 83,680,000 | 94,708,000 |
| Allowance for loan losses | 363,000 | 406,000 | 605,000 | 1,058,000 |
| Securities available for sale | 10,521,000 | 9,947,000 | 9,102,000 | 7,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,241,000 | 83,064,000 | 92,616,000 | 104,125,000 |
| Interest-bearing deposits | 60,806,000 | 62,145,000 | 71,461,000 | 80,752,000 |
| Noninterest-bearing deposits | 17,435,000 | 20,919,000 | 21,155,000 | 23,373,000 |
| Equity capital | 8,483,000 | 8,641,000 | 9,241,000 | 10,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 2,154,000 | 3,169,000 | 4,401,000 |
| Interest expense | 220,000 | 437,000 | 643,000 | 857,000 |
| Net interest income | 844,000 | 1,717,000 | 2,526,000 | 3,544,000 |
| Noninterest income | 165,000 | 299,000 | 429,000 | 593,000 |
| Noninterest expense | 1,122,000 | 1,945,000 | 2,811,000 | 3,993,000 |
| Provision for loan losses | 35,000 | 88,000 | 88,000 | 605,000 |
| Pretax income | -148,000 | -17,000 | 59,000 | -458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -148,000 | -17,000 | 59,000 | -458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,414,000 | 8,552,000 | 9,202,000 | 10,151,000 |
| Total capital | 8,777,000 | 8,957,000 | 9,807,000 | 11,209,000 |
| Risk-weighted assets | 58,365,000 | 61,673,000 | 75,092,000 | 86,552,000 |