Call reports 2019
GUARANTY BANK — 2019
What GUARANTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 638,996,000 | 672,049,000 | 694,959,000 | 748,753,000 |
| Total loans | 491,985,000 | 515,566,000 | 526,466,000 | 546,306,000 |
| Allowance for loan losses | 1,490,000 | 1,925,000 | 2,201,000 | 2,255,000 |
| Securities available for sale | 5,973,000 | 6,068,000 | 5,978,000 | 5,830,000 |
| Securities held to maturity | 3,000,000 | 6,396,000 | 6,396,000 | 28,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,113,000 | 471,340,000 | 484,225,000 | 531,497,000 |
| Interest-bearing deposits | 377,269,000 | 392,333,000 | 398,060,000 | 408,572,000 |
| Noninterest-bearing deposits | 67,844,000 | 79,007,000 | 86,165,000 | 122,925,000 |
| Equity capital | 110,268,000 | 112,453,000 | 114,591,000 | 116,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,747,000 | 13,784,000 | 20,746,000 | 27,826,000 |
| Interest expense | 1,681,000 | 3,484,000 | 5,531,000 | 6,896,000 |
| Net interest income | 5,066,000 | 10,300,000 | 15,215,000 | 20,930,000 |
| Noninterest income | 541,000 | 1,261,000 | 2,650,000 | 3,744,000 |
| Noninterest expense | 2,912,000 | 5,614,000 | 8,832,000 | 12,409,000 |
| Provision for loan losses | 500,000 | 985,000 | 1,261,000 | 1,315,000 |
| Pretax income | 2,195,000 | 4,962,000 | 7,772,000 | 10,950,000 |
| Income tax | 543,000 | 1,230,000 | 1,924,000 | 2,706,000 |
| Net income | 1,652,000 | 3,732,000 | 5,848,000 | 8,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,666,000 | 58,978,000 | 61,328,000 | 63,956,000 |
| Total capital | 62,958,000 | 65,725,000 | 68,371,000 | 71,074,000 |
| Risk-weighted assets | 482,982,000 | 509,055,000 | 519,514,000 | 558,796,000 |