Call reports 2020
GUARANTY BANK AND TRUST COMPANY — 2020
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 232,301,000 | 244,391,000 | 243,078,000 | 251,648,000 |
| Total loans | 177,787,000 | 183,329,000 | 184,075,000 | 178,433,000 |
| Allowance for loan losses | 1,813,000 | 1,863,000 | 1,859,000 | 1,857,000 |
| Securities available for sale | 31,865,000 | 33,311,000 | 34,256,000 | 23,119,000 |
| Securities held to maturity | 338,000 | 338,000 | 338,000 | 12,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,609,000 | 207,841,000 | 205,918,000 | 216,342,000 |
| Interest-bearing deposits | 143,030,000 | 145,836,000 | 144,622,000 | 150,773,000 |
| Noninterest-bearing deposits | 53,579,000 | 62,005,000 | 61,296,000 | 65,569,000 |
| Equity capital | 30,043,000 | 31,155,000 | 31,937,000 | 30,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,782,000 | 5,916,000 | 8,723,000 | 11,495,000 |
| Interest expense | 330,000 | 643,000 | 945,000 | 1,215,000 |
| Net interest income | 2,452,000 | 5,273,000 | 7,778,000 | 10,280,000 |
| Noninterest income | 217,000 | 312,000 | 456,000 | 636,000 |
| Noninterest expense | 1,586,000 | 3,180,000 | 4,798,000 | 6,514,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 1,033,000 | 2,305,000 | 3,336,000 | 4,302,000 |
| Income tax | 225,000 | 501,000 | 715,000 | 895,000 |
| Net income | 808,000 | 1,804,000 | 2,621,000 | 3,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,570,000 | 30,507,000 | 31,331,000 | 30,060,000 |
| Total capital | 31,383,000 | 32,370,000 | 33,190,000 | 31,888,000 |
| Risk-weighted assets | 153,611,000 | 150,396,000 | 149,336,000 | 146,207,000 |