Call reports 2016
GUARANTY BANK — 2016
What GUARANTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 422,733,000 | 448,230,000 | 480,819,000 | 511,316,000 |
| Total loans | 378,652,000 | 394,574,000 | 409,224,000 | 416,959,000 |
| Allowance for loan losses | 4,021,000 | 4,121,000 | 4,271,000 | 4,354,000 |
| Securities available for sale | 1,550,000 | 1,550,000 | 1,550,000 | 1,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,162,000 | 360,873,000 | 384,570,000 | 393,387,000 |
| Interest-bearing deposits | 276,616,000 | 299,792,000 | 322,607,000 | 332,004,000 |
| Noninterest-bearing deposits | 57,546,000 | 61,081,000 | 61,963,000 | 61,383,000 |
| Equity capital | 34,699,000 | 37,331,000 | 40,037,000 | 41,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,512,000 | 8,609,000 | 12,848,000 | 17,339,000 |
| Interest expense | 677,000 | 1,423,000 | 2,238,000 | 3,097,000 |
| Net interest income | 3,835,000 | 7,186,000 | 10,610,000 | 14,242,000 |
| Noninterest income | 317,000 | 764,000 | 1,223,000 | 1,681,000 |
| Noninterest expense | 2,026,000 | 4,104,000 | 6,142,000 | 8,498,000 |
| Provision for loan losses | 250,000 | 350,000 | 500,000 | 550,000 |
| Pretax income | 1,876,000 | 3,496,000 | 5,191,000 | 6,875,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,876,000 | 3,496,000 | 5,191,000 | 6,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,699,000 | 37,331,000 | 40,037,000 | 41,726,000 |
| Total capital | 41,720,000 | 43,452,000 | 49,308,000 | 51,080,000 |
| Risk-weighted assets | 370,592,000 | 388,942,000 | 402,940,000 | 410,068,000 |