Call reports 2021
GUARANTY BANK INC. — 2021
What GUARANTY BANK INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 123,945,000 | 124,026,000 | 123,542,000 | 123,903,000 |
| Total loans | 96,308,000 | 97,212,000 | 102,530,000 | 101,623,000 |
| Allowance for loan losses | 1,104,000 | 1,095,000 | 1,096,000 | 1,061,000 |
| Securities available for sale | 7,758,000 | 7,946,000 | 7,950,000 | 8,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,454,000 | 105,471,000 | 104,687,000 | 104,977,000 |
| Interest-bearing deposits | 81,300,000 | 81,956,000 | 82,245,000 | 82,399,000 |
| Noninterest-bearing deposits | 24,154,000 | 23,515,000 | 22,442,000 | 22,578,000 |
| Equity capital | 11,244,000 | 11,628,000 | 12,352,000 | 12,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,274,000 | 2,775,000 | 4,143,000 | 5,809,000 |
| Interest expense | 212,000 | 421,000 | 628,000 | 829,000 |
| Net interest income | 1,062,000 | 2,354,000 | 3,515,000 | 4,980,000 |
| Noninterest income | 155,000 | 291,000 | 437,000 | 620,000 |
| Noninterest expense | 1,073,000 | 2,111,000 | 3,136,000 | 4,198,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 287,000 |
| Pretax income | 114,000 | 504,000 | 786,000 | 1,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 114,000 | 504,000 | 786,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,236,000 | 11,628,000 | 12,352,000 | 12,812,000 |
| Total capital | 12,289,000 | 12,703,000 | 13,448,000 | 13,873,000 |
| Risk-weighted assets | 84,040,000 | 86,006,000 | 91,556,000 | 87,800,000 |