Call reports 2023
GUARANTY BANK INC. — 2023
What GUARANTY BANK INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 137,660,000 | 138,973,000 | 139,613,000 | 139,163,000 |
| Total loans | 110,170,000 | 112,034,000 | 113,331,000 | 113,339,000 |
| Allowance for loan losses | 1,563,000 | 1,608,000 | 1,651,000 | 1,710,000 |
| Securities available for sale | 6,739,000 | 7,172,000 | 7,720,000 | 8,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,956,000 | 115,497,000 | 116,402,000 | 116,578,000 |
| Interest-bearing deposits | 91,159,000 | 92,990,000 | 93,937,000 | 93,214,000 |
| Noninterest-bearing deposits | 22,797,000 | 22,507,000 | 22,465,000 | 23,364,000 |
| Equity capital | 16,903,000 | 17,368,000 | 17,753,000 | 17,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,868,000 | 3,728,000 | 5,713,000 | 7,695,000 |
| Interest expense | 401,000 | 865,000 | 1,370,000 | 1,935,000 |
| Net interest income | 1,467,000 | 2,863,000 | 4,343,000 | 5,760,000 |
| Noninterest income | 181,000 | 339,000 | 500,000 | 1,111,000 |
| Noninterest expense | 1,093,000 | 2,153,000 | 3,250,000 | 4,631,000 |
| Provision for loan losses | 130,000 | 180,000 | 245,000 | 325,000 |
| Pretax income | 425,000 | 869,000 | 1,348,000 | 1,915,000 |
| Income tax | 0 | 0 | 0 | 422,000 |
| Net income | 425,000 | 869,000 | 1,348,000 | 1,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,235,000 | 17,679,000 | 18,051,000 | 17,934,000 |
| Total capital | 18,448,000 | 18,900,000 | 19,282,000 | 19,171,000 |
| Risk-weighted assets | 96,706,000 | 97,157,000 | 98,090,000 | 98,461,000 |