Call reports 2015
GUARANTY BANK — 2015
What GUARANTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 336,796,000 | 361,849,000 | 391,451,000 | 408,845,000 |
| Total loans | 291,350,000 | 312,449,000 | 330,719,000 | 366,578,000 |
| Allowance for loan losses | 3,268,000 | 3,278,000 | 3,464,000 | 3,772,000 |
| Securities available for sale | 1,100,000 | 1,100,000 | 1,300,000 | 1,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,589,000 | 277,456,000 | 295,907,000 | 315,376,000 |
| Interest-bearing deposits | 225,322,000 | 229,509,000 | 246,385,000 | 261,144,000 |
| Noninterest-bearing deposits | 43,267,000 | 47,947,000 | 49,522,000 | 54,233,000 |
| Equity capital | 29,738,000 | 30,797,000 | 31,810,000 | 32,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,098,000 | 6,278,000 | 9,627,000 | 13,282,000 |
| Interest expense | 541,000 | 1,105,000 | 1,717,000 | 2,344,000 |
| Net interest income | 2,557,000 | 5,173,000 | 7,910,000 | 10,938,000 |
| Noninterest income | -567,000 | -207,000 | 24,000 | 223,000 |
| Noninterest expense | 1,970,000 | 3,919,000 | 5,718,000 | 7,650,000 |
| Provision for loan losses | 6,000 | 6,000 | 192,000 | 500,000 |
| Pretax income | 14,000 | 1,041,000 | 2,024,000 | 3,011,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 14,000 | 1,041,000 | 2,024,000 | 3,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,738,000 | 30,797,000 | 31,810,000 | 32,809,000 |
| Total capital | 36,006,000 | 37,075,000 | 38,274,000 | 39,581,000 |
| Risk-weighted assets | 287,556,000 | 307,729,000 | 326,441,000 | 360,815,000 |