Call reports 2022
GUARANTY BANK INC. — 2022
What GUARANTY BANK INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 124,812,000 | 125,290,000 | 128,140,000 | 137,405,000 |
| Total loans | 95,684,000 | 101,369,000 | 107,757,000 | 112,760,000 |
| Allowance for loan losses | 1,043,000 | 1,095,000 | 1,162,000 | 1,184,000 |
| Securities available for sale | 10,818,000 | 11,566,000 | 6,910,000 | 6,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,383,000 | 105,770,000 | 107,072,000 | 113,030,000 |
| Interest-bearing deposits | 83,705,000 | 85,019,000 | 84,197,000 | 90,027,000 |
| Noninterest-bearing deposits | 22,678,000 | 20,751,000 | 22,875,000 | 23,003,000 |
| Equity capital | 12,737,000 | 14,152,000 | 14,581,000 | 16,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,058,000 | 4,772,000 | 6,497,000 |
| Interest expense | 200,000 | 401,000 | 604,000 | 896,000 |
| Net interest income | 1,335,000 | 2,657,000 | 4,168,000 | 5,601,000 |
| Noninterest income | 152,000 | 306,000 | 464,000 | 635,000 |
| Noninterest expense | 1,067,000 | 2,101,000 | 3,110,000 | 4,329,000 |
| Provision for loan losses | 95,000 | 155,000 | 215,000 | 255,000 |
| Pretax income | 325,000 | 707,000 | 1,307,000 | 1,652,000 |
| Income tax | 0 | 0 | 0 | -2,040,000 |
| Net income | 325,000 | 707,000 | 1,307,000 | 3,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,062,000 | 14,483,000 | 15,026,000 | 17,267,000 |
| Total capital | 14,104,000 | 15,578,000 | 16,181,000 | 18,451,000 |
| Risk-weighted assets | 83,774,000 | 87,901,000 | 92,416,000 | 99,265,000 |