Call reports 2015
GUARANTY BANK AND TRUST COMPANY — 2015
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 204,914,000 | 199,835,000 | 194,393,000 | 195,113,000 |
| Total loans | 123,009,000 | 130,606,000 | 133,363,000 | 134,082,000 |
| Allowance for loan losses | 1,133,000 | 1,184,000 | 1,197,000 | 1,311,000 |
| Securities available for sale | 27,116,000 | 32,572,000 | 25,545,000 | 29,085,000 |
| Securities held to maturity | 25,512,000 | 6,512,000 | 3,512,000 | 512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,192,000 | 178,971,000 | 173,493,000 | 174,258,000 |
| Interest-bearing deposits | 137,166,000 | 133,566,000 | 127,782,000 | 129,225,000 |
| Noninterest-bearing deposits | 47,026,000 | 45,405,000 | 45,711,000 | 45,033,000 |
| Equity capital | 19,897,000 | 20,092,000 | 19,994,000 | 20,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,045,000 | 4,154,000 | 6,359,000 | 8,594,000 |
| Interest expense | 169,000 | 341,000 | 508,000 | 673,000 |
| Net interest income | 1,876,000 | 3,813,000 | 5,851,000 | 7,921,000 |
| Noninterest income | 231,000 | 449,000 | 756,000 | 982,000 |
| Noninterest expense | 1,419,000 | 2,830,000 | 4,266,000 | 5,642,000 |
| Provision for loan losses | 18,000 | 72,000 | 146,000 | 216,000 |
| Pretax income | 670,000 | 1,360,000 | 2,195,000 | 3,045,000 |
| Income tax | 234,000 | 464,000 | 747,000 | 1,001,000 |
| Net income | 436,000 | 896,000 | 1,448,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,526,000 | 19,973,000 | 19,734,000 | 20,278,000 |
| Total capital | 20,659,000 | 21,157,000 | 20,931,000 | 21,589,000 |
| Risk-weighted assets | 113,616,000 | 113,642,000 | 114,162,000 | 115,798,000 |