Call reports 2019
GUARANTY BANK AND TRUST COMPANY — 2019
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 211,994,000 | 207,201,000 | 218,711,000 | 216,456,000 |
| Total loans | 161,474,000 | 168,986,000 | 175,129,000 | 175,147,000 |
| Allowance for loan losses | 1,641,000 | 1,693,000 | 1,771,000 | 1,766,000 |
| Securities available for sale | 34,882,000 | 24,481,000 | 23,427,000 | 21,906,000 |
| Securities held to maturity | 375,000 | 3,375,000 | 10,374,000 | 8,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,818,000 | 179,248,000 | 179,395,000 | 187,133,000 |
| Interest-bearing deposits | 133,406,000 | 129,650,000 | 128,651,000 | 134,944,000 |
| Noninterest-bearing deposits | 51,412,000 | 49,598,000 | 50,744,000 | 52,189,000 |
| Equity capital | 26,638,000 | 27,541,000 | 28,343,000 | 29,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,581,000 | 5,247,000 | 7,989,000 | 10,785,000 |
| Interest expense | 245,000 | 523,000 | 821,000 | 1,141,000 |
| Net interest income | 2,336,000 | 4,724,000 | 7,168,000 | 9,644,000 |
| Noninterest income | 230,000 | 439,000 | 642,000 | 857,000 |
| Noninterest expense | 1,506,000 | 3,036,000 | 4,575,000 | 6,226,000 |
| Provision for loan losses | 45,000 | 109,000 | 204,000 | 260,000 |
| Pretax income | 1,015,000 | 2,018,000 | 3,031,000 | 4,015,000 |
| Income tax | 220,000 | 441,000 | 671,000 | 834,000 |
| Net income | 795,000 | 1,577,000 | 2,360,000 | 3,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,493,000 | 27,208,000 | 27,997,000 | 28,763,000 |
| Total capital | 28,134,000 | 28,901,000 | 29,768,000 | 30,529,000 |
| Risk-weighted assets | 138,207,000 | 142,698,000 | 145,897,000 | 147,741,000 |