Call reports 2022
GUARANTY BANK AND TRUST COMPANY — 2022
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 301,958,000 | 290,366,000 | 280,438,000 | 287,654,000 |
| Total loans | 176,842,000 | 194,764,000 | 212,576,000 | 218,635,000 |
| Allowance for loan losses | 1,823,000 | 1,945,000 | 2,125,000 | 2,189,000 |
| Securities available for sale | 41,128,000 | 40,316,000 | 38,736,000 | 38,450,000 |
| Securities held to maturity | 15,000,000 | 14,998,000 | 6,999,000 | 5,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,689,000 | 256,643,000 | 247,400,000 | 253,362,000 |
| Interest-bearing deposits | 176,264,000 | 173,716,000 | 166,038,000 | 165,049,000 |
| Noninterest-bearing deposits | 91,425,000 | 82,927,000 | 81,362,000 | 88,313,000 |
| Equity capital | 30,756,000 | 30,511,000 | 29,985,000 | 31,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,669,000 | 5,619,000 | 8,939,000 | 12,312,000 |
| Interest expense | 142,000 | 283,000 | 445,000 | 656,000 |
| Net interest income | 2,527,000 | 5,336,000 | 8,494,000 | 11,656,000 |
| Noninterest income | 281,000 | 546,000 | 772,000 | 1,013,000 |
| Noninterest expense | 1,733,000 | 3,636,000 | 5,639,000 | 7,621,000 |
| Provision for loan losses | 0 | 125,000 | 305,000 | 375,000 |
| Pretax income | 1,075,000 | 2,121,000 | 3,322,000 | 4,673,000 |
| Income tax | 218,000 | 454,000 | 735,000 | 946,000 |
| Net income | 857,000 | 1,667,000 | 2,587,000 | 3,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,447,000 | 33,197,000 | 34,122,000 | 35,213,000 |
| Total capital | 34,270,000 | 35,142,000 | 36,247,000 | 37,402,000 |
| Risk-weighted assets | 163,348,000 | 180,702,000 | 196,199,000 | 200,611,000 |
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