Call reports 2013
GUARANTY BANK AND TRUST COMPANY — 2013
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 137,497,000 | 138,377,000 | 135,867,000 | 134,793,000 |
| Total loans | 97,443,000 | 99,021,000 | 98,784,000 | 102,777,000 |
| Allowance for loan losses | 958,000 | 1,044,000 | 1,095,000 | 1,064,000 |
| Securities available for sale | 15,056,000 | 15,866,000 | 18,849,000 | 18,039,000 |
| Securities held to maturity | 9,000,000 | 4,500,000 | 3,999,000 | 499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,269,000 | 121,526,000 | 118,684,000 | 117,160,000 |
| Interest-bearing deposits | 94,916,000 | 96,745,000 | 94,112,000 | 92,356,000 |
| Noninterest-bearing deposits | 25,353,000 | 24,781,000 | 24,572,000 | 24,804,000 |
| Equity capital | 15,183,000 | 15,152,000 | 15,544,000 | 14,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,593,000 | 3,347,000 | 5,088,000 | 6,788,000 |
| Interest expense | 167,000 | 329,000 | 488,000 | 639,000 |
| Net interest income | 1,426,000 | 3,018,000 | 4,600,000 | 6,149,000 |
| Noninterest income | 148,000 | 301,000 | 437,000 | 614,000 |
| Noninterest expense | 960,000 | 1,950,000 | 2,967,000 | 4,011,000 |
| Provision for loan losses | 20,000 | 110,000 | 161,000 | 211,000 |
| Pretax income | 594,000 | 1,259,000 | 1,909,000 | 2,541,000 |
| Income tax | 209,000 | 455,000 | 675,000 | 864,000 |
| Net income | 385,000 | 804,000 | 1,234,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,977,000 | 15,290,000 | 15,686,000 | 15,267,000 |
| Total capital | 15,935,000 | 16,325,000 | 16,720,000 | 16,331,000 |
| Risk-weighted assets | 82,463,000 | 82,778,000 | 82,687,000 | 87,027,000 |
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