Call reports 2001
GUARANTY BANK AND TRUST — 2001
What GUARANTY BANK AND TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 201,015,000 | 190,695,000 | 194,287,000 | 192,042,000 |
| Total loans | 139,371,000 | 142,339,000 | 145,098,000 | 146,535,000 |
| Allowance for loan losses | 1,671,000 | 1,716,000 | 1,705,000 | 1,716,000 |
| Securities available for sale | 27,504,000 | 27,639,000 | 27,699,000 | 24,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,858,000 | 146,781,000 | 153,059,000 | 145,195,000 |
| Interest-bearing deposits | 143,308,000 | 126,482,000 | 131,245,000 | 117,494,000 |
| Noninterest-bearing deposits | 19,550,000 | 20,299,000 | 21,814,000 | 27,701,000 |
| Equity capital | 19,397,000 | 19,964,000 | 20,390,000 | 18,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,065,000 | 7,988,000 | 11,582,000 | 14,677,000 |
| Interest expense | 2,140,000 | 4,043,000 | 5,806,000 | 7,184,000 |
| Net interest income | 1,925,000 | 3,945,000 | 5,776,000 | 7,493,000 |
| Noninterest income | 1,142,000 | 1,639,000 | 2,053,000 | 2,536,000 |
| Noninterest expense | 1,590,000 | 3,127,000 | 4,770,000 | 6,621,000 |
| Provision for loan losses | 150,000 | 327,000 | 399,000 | 2,787,000 |
| Pretax income | 1,327,000 | 2,130,000 | 2,660,000 | 621,000 |
| Income tax | 519,000 | 811,000 | 1,005,000 | 256,000 |
| Net income | 808,000 | 1,319,000 | 1,655,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,375,000 | 17,940,000 | 18,329,000 | 16,993,000 |
| Total capital | 19,046,000 | 19,656,000 | 20,034,000 | 18,709,000 |
| Risk-weighted assets | 159,562,000 | 159,779,000 | 154,444,000 | 150,186,000 |