Call reports 2016
GUARANTY BANK AND TRUST COMPANY — 2016
What GUARANTY BANK AND TRUST COMPANY 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 | 251,514,000 | 257,541,000 | 258,047,000 | 260,385,000 |
| Total loans | 160,973,000 | 168,826,000 | 175,847,000 | 187,632,000 |
| Allowance for loan losses | 2,005,000 | 2,080,000 | 2,104,000 | 2,349,000 |
| Securities available for sale | 79,060,000 | 76,677,000 | 73,563,000 | 60,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,102,000 | 200,416,000 | 197,256,000 | 210,380,000 |
| Interest-bearing deposits | 159,009,000 | 154,751,000 | 154,599,000 | 166,131,000 |
| Noninterest-bearing deposits | 41,093,000 | 45,665,000 | 42,657,000 | 44,249,000 |
| Equity capital | 30,059,000 | 31,038,000 | 31,368,000 | 29,904,000 |
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 | 2,255,000 | 4,498,000 | 6,793,000 | 9,133,000 |
| Interest expense | 164,000 | 325,000 | 483,000 | 640,000 |
| Net interest income | 2,091,000 | 4,173,000 | 6,310,000 | 8,493,000 |
| Noninterest income | 538,000 | 1,094,000 | 1,656,000 | 2,167,000 |
| Noninterest expense | 2,098,000 | 4,213,000 | 6,282,000 | 8,264,000 |
| Provision for loan losses | 0 | 100,000 | 125,000 | 375,000 |
| Pretax income | 544,000 | 1,038,000 | 1,748,000 | 2,457,000 |
| Income tax | 28,000 | 53,000 | 89,000 | 124,000 |
| Net income | 516,000 | 985,000 | 1,659,000 | 2,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,970,000 | 29,440,000 | 30,114,000 | 30,788,000 |
| Total capital | 30,975,000 | 31,520,000 | 32,218,000 | 33,137,000 |
| Risk-weighted assets | 181,320,000 | 187,155,000 | 188,075,000 | 198,101,000 |