Call reports 2020
GUARANTY BANK — 2020
What GUARANTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 708,574,000 | 746,172,000 | 804,101,000 | 779,955,000 |
| Total loans | 572,046,000 | 601,843,000 | 620,721,000 | 624,629,000 |
| Allowance for loan losses | 3,225,000 | 5,630,000 | 6,740,000 | 7,666,000 |
| Securities available for sale | 14,104,000 | 19,532,000 | 14,013,000 | 15,305,000 |
| Securities held to maturity | 35,998,000 | 35,326,000 | 41,455,000 | 55,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,420,000 | 564,710,000 | 592,528,000 | 569,036,000 |
| Interest-bearing deposits | 414,563,000 | 430,461,000 | 433,876,000 | 440,399,000 |
| Noninterest-bearing deposits | 109,857,000 | 134,249,000 | 158,652,000 | 128,637,000 |
| Equity capital | 119,043,000 | 121,140,000 | 123,839,000 | 130,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,217,000 | 14,627,000 | 21,892,000 | 29,549,000 |
| Interest expense | 1,575,000 | 2,784,000 | 3,890,000 | 4,790,000 |
| Net interest income | 5,642,000 | 11,843,000 | 18,002,000 | 24,759,000 |
| Noninterest income | 1,474,000 | 3,597,000 | 6,318,000 | 12,207,000 |
| Noninterest expense | 3,276,000 | 6,727,000 | 11,024,000 | 15,076,000 |
| Provision for loan losses | 970,000 | 3,375,000 | 4,485,000 | 5,411,000 |
| Pretax income | 2,870,000 | 5,338,000 | 9,091,000 | 16,759,000 |
| Income tax | 664,000 | 1,233,000 | 2,117,000 | 3,962,000 |
| Net income | 2,206,000 | 4,105,000 | 6,974,000 | 12,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,392,000 | 68,519,000 | 71,617,000 | 77,668,000 |
| Total capital | 74,501,000 | 79,054,000 | 83,283,000 | 90,334,000 |
| Risk-weighted assets | 596,538,000 | 588,825,000 | 608,980,000 | 629,466,000 |