Call reports 2014
GUARANTY BANK AND TRUST COMPANY — 2014
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 141,031,000 | 140,132,000 | 140,061,000 | 139,222,000 |
| Total loans | 101,458,000 | 105,504,000 | 105,541,000 | 103,892,000 |
| Allowance for loan losses | 1,100,000 | 1,053,000 | 1,087,000 | 1,083,000 |
| Securities available for sale | 16,985,000 | 16,930,000 | 16,520,000 | 15,285,000 |
| Securities held to maturity | 6,500,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,040,000 | 123,545,000 | 126,110,000 | 124,815,000 |
| Interest-bearing deposits | 99,797,000 | 98,587,000 | 97,372,000 | 96,224,000 |
| Noninterest-bearing deposits | 25,243,000 | 24,958,000 | 28,738,000 | 28,591,000 |
| Equity capital | 15,454,000 | 16,072,000 | 13,506,000 | 13,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,669,000 | 3,395,000 | 5,174,000 | 6,871,000 |
| Interest expense | 146,000 | 293,000 | 441,000 | 587,000 |
| Net interest income | 1,523,000 | 3,102,000 | 4,733,000 | 6,284,000 |
| Noninterest income | 166,000 | 356,000 | 478,000 | 641,000 |
| Noninterest expense | 1,019,000 | 2,044,000 | 3,046,000 | 4,071,000 |
| Provision for loan losses | 32,000 | 46,000 | 81,000 | 81,000 |
| Pretax income | 638,000 | 1,368,000 | 2,084,000 | 2,773,000 |
| Income tax | 224,000 | 460,000 | 704,000 | 931,000 |
| Net income | 414,000 | 908,000 | 1,380,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,671,000 | 16,067,000 | 13,516,000 | 13,916,000 |
| Total capital | 16,753,000 | 17,120,000 | 14,603,000 | 14,999,000 |
| Risk-weighted assets | 86,562,000 | 89,098,000 | 88,660,000 | 87,223,000 |
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