Call reports 2002
GUARANTY BANK & TRUST, N.A. — 2002
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 470,962,000 | 490,510,000 | 514,807,000 | 516,842,000 |
| Total loans | 335,888,000 | 347,963,000 | 351,407,000 | 365,615,000 |
| Allowance for loan losses | 3,480,000 | 3,576,000 | 3,632,000 | 3,692,000 |
| Securities available for sale | 86,183,000 | 92,103,000 | 93,814,000 | 103,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,000,000 | 402,822,000 | 416,696,000 | 427,194,000 |
| Interest-bearing deposits | 330,507,000 | 335,013,000 | 349,239,000 | 356,436,000 |
| Noninterest-bearing deposits | 64,493,000 | 67,809,000 | 67,457,000 | 70,758,000 |
| Equity capital | 38,855,000 | 40,013,000 | 40,497,000 | 41,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,080,000 | 14,274,000 | 21,631,000 | 28,955,000 |
| Interest expense | 2,956,000 | 5,865,000 | 8,735,000 | 11,476,000 |
| Net interest income | 4,124,000 | 8,409,000 | 12,896,000 | 17,479,000 |
| Noninterest income | 997,000 | 2,192,000 | 3,372,000 | 4,676,000 |
| Noninterest expense | 3,402,000 | 6,892,000 | 10,470,000 | 14,323,000 |
| Provision for loan losses | 250,000 | 700,000 | 1,035,000 | 1,260,000 |
| Pretax income | 1,506,000 | 3,326,000 | 5,127,000 | 6,952,000 |
| Income tax | 252,000 | 630,000 | 1,043,000 | 1,410,000 |
| Net income | 1,254,000 | 2,696,000 | 4,084,000 | 5,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,780,000 | 36,423,000 | 36,760,000 | 38,218,000 |
| Total capital | 39,260,000 | 39,999,000 | 40,392,000 | 41,910,000 |
| Risk-weighted assets | 333,956,000 | 337,980,000 | 343,960,000 | 359,539,000 |