Call reports 2001
GUARANTY BANK & TRUST, N.A. — 2001
What GUARANTY BANK & TRUST, N.A. 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 | 420,206,000 | 427,146,000 | 444,003,000 | 459,533,000 |
| Total loans | 292,745,000 | 300,322,000 | 318,332,000 | 331,254,000 |
| Allowance for loan losses | 2,799,000 | 2,794,000 | 2,796,000 | 3,346,000 |
| Securities available for sale | 60,670,000 | 70,573,000 | 87,657,000 | 79,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,989,000 | 381,769,000 | 376,544,000 | 383,650,000 |
| Interest-bearing deposits | 318,282,000 | 322,415,000 | 310,308,000 | 319,553,000 |
| Noninterest-bearing deposits | 55,707,000 | 59,354,000 | 66,236,000 | 64,097,000 |
| Equity capital | 34,951,000 | 35,919,000 | 37,402,000 | 37,962,000 |
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 | 7,616,000 | 15,109,000 | 22,631,000 | 29,861,000 |
| Interest expense | 4,310,000 | 8,390,000 | 12,220,000 | 15,591,000 |
| Net interest income | 3,306,000 | 6,719,000 | 10,411,000 | 14,270,000 |
| Noninterest income | 992,000 | 2,033,000 | 3,185,000 | 5,785,000 |
| Noninterest expense | 3,186,000 | 6,300,000 | 9,578,000 | 13,240,000 |
| Provision for loan losses | 155,000 | 340,000 | 681,000 | 1,385,000 |
| Pretax income | 1,223,000 | 2,429,000 | 3,748,000 | 5,846,000 |
| Income tax | 216,000 | 413,000 | 652,000 | 1,505,000 |
| Net income | 1,007,000 | 2,016,000 | 3,096,000 | 4,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,579,000 | 32,626,000 | 33,743,000 | 34,776,000 |
| Total capital | 34,378,000 | 35,420,000 | 36,539,000 | 38,122,000 |
| Risk-weighted assets | 290,373,000 | 298,654,000 | 318,585,000 | 331,189,000 |