Call reports 2024
GUARANTY BANK AND TRUST COMPANY — 2024
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 301,028,000 | 295,792,000 | 292,722,000 | 307,296,000 |
| Total loans | 221,034,000 | 221,251,000 | 221,781,000 | 216,213,000 |
| Allowance for loan losses | 2,263,000 | 2,152,000 | 2,219,000 | 2,221,000 |
| Securities available for sale | 46,175,000 | 44,887,000 | 42,976,000 | 44,302,000 |
| Securities held to maturity | 9,999,000 | 4,999,000 | 6,000,000 | 14,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,574,000 | 257,528,000 | 252,767,000 | 268,667,000 |
| Interest-bearing deposits | 184,976,000 | 185,793,000 | 184,450,000 | 187,857,000 |
| Noninterest-bearing deposits | 77,598,000 | 71,735,000 | 68,317,000 | 80,810,000 |
| Equity capital | 36,757,000 | 36,739,000 | 38,546,000 | 37,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,164,000 | 8,386,000 | 12,702,000 | 17,077,000 |
| Interest expense | 882,000 | 1,934,000 | 3,041,000 | 4,141,000 |
| Net interest income | 3,282,000 | 6,452,000 | 9,661,000 | 12,936,000 |
| Noninterest income | 204,000 | 429,000 | 694,000 | 1,166,000 |
| Noninterest expense | 2,368,000 | 4,766,000 | 7,142,000 | 9,538,000 |
| Provision for loan losses | 0 | 38,000 | 103,000 | 104,000 |
| Pretax income | 1,118,000 | 2,077,000 | 3,110,000 | 4,461,000 |
| Income tax | 235,000 | 440,000 | 662,000 | 894,000 |
| Net income | 883,000 | 1,637,000 | 2,448,000 | 3,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,993,000 | 39,815,000 | 40,633,000 | 40,942,000 |
| Total capital | 42,256,000 | 41,967,000 | 42,852,000 | 43,163,000 |
| Risk-weighted assets | 197,765,000 | 193,871,000 | 191,067,000 | 184,529,000 |