Call reports 2023
GUARANTY BANK AND TRUST COMPANY — 2023
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 288,299,000 | 287,983,000 | 288,201,000 | 302,635,000 |
| Total loans | 221,357,000 | 224,241,000 | 226,791,000 | 221,948,000 |
| Allowance for loan losses | 2,210,000 | 2,239,000 | 2,265,000 | 2,264,000 |
| Securities available for sale | 41,766,000 | 40,507,000 | 38,292,000 | 48,610,000 |
| Securities held to maturity | 3,999,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,650,000 | 236,713,000 | 243,187,000 | 251,937,000 |
| Interest-bearing deposits | 164,277,000 | 163,379,000 | 172,126,000 | 177,892,000 |
| Noninterest-bearing deposits | 88,373,000 | 73,334,000 | 71,061,000 | 74,045,000 |
| Equity capital | 32,988,000 | 33,639,000 | 33,681,000 | 36,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,522,000 | 7,108,000 | 10,920,000 | 14,889,000 |
| Interest expense | 328,000 | 869,000 | 1,689,000 | 2,646,000 |
| Net interest income | 3,194,000 | 6,239,000 | 9,231,000 | 12,243,000 |
| Noninterest income | 245,000 | 468,000 | 711,000 | 1,381,000 |
| Noninterest expense | 2,072,000 | 4,202,000 | 6,355,000 | 8,492,000 |
| Provision for loan losses | 26,000 | 55,000 | 98,000 | 131,000 |
| Pretax income | 1,339,000 | 2,448,000 | 3,487,000 | 4,999,000 |
| Income tax | 280,000 | 516,000 | 734,000 | 1,011,000 |
| Net income | 1,059,000 | 1,932,000 | 2,753,000 | 3,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,278,000 | 37,091,000 | 37,919,000 | 39,103,000 |
| Total capital | 38,488,000 | 39,330,000 | 40,184,000 | 41,367,000 |
| Risk-weighted assets | 202,606,000 | 203,373,000 | 203,057,000 | 199,596,000 |