Call reports 2003
GUARANTY BANK & TRUST, N.A. — 2003
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 527,082,000 | 529,267,000 | 525,134,000 | 515,920,000 |
| Total loans | 364,940,000 | 362,008,000 | 356,828,000 | 365,514,000 |
| Allowance for loan losses | 3,781,000 | 3,830,000 | 3,840,000 | 3,906,000 |
| Securities available for sale | 114,802,000 | 112,356,000 | 103,372,000 | 95,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,960,000 | 430,562,000 | 421,791,000 | 409,107,000 |
| Interest-bearing deposits | 357,221,000 | 355,552,000 | 346,107,000 | 335,646,000 |
| Noninterest-bearing deposits | 70,739,000 | 75,010,000 | 75,684,000 | 73,461,000 |
| Equity capital | 42,511,000 | 43,489,000 | 43,908,000 | 44,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,043,000 | 14,043,000 | 20,765,000 | 27,564,000 |
| Interest expense | 2,581,000 | 5,101,000 | 7,264,000 | 9,241,000 |
| Net interest income | 4,462,000 | 8,942,000 | 13,501,000 | 18,323,000 |
| Noninterest income | 1,245,000 | 2,515,000 | 3,743,000 | 4,929,000 |
| Noninterest expense | 3,819,000 | 7,815,000 | 11,681,000 | 15,577,000 |
| Provision for loan losses | 375,000 | 525,000 | 775,000 | 1,075,000 |
| Pretax income | 1,654,000 | 3,288,000 | 4,975,000 | 6,788,000 |
| Income tax | 350,000 | 798,000 | 1,218,000 | 1,656,000 |
| Net income | 1,304,000 | 2,490,000 | 3,757,000 | 5,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,272,000 | 40,108,000 | 41,376,000 | 42,151,000 |
| Total capital | 43,053,000 | 43,938,000 | 45,216,000 | 46,057,000 |
| Risk-weighted assets | 367,774,000 | 363,265,000 | 354,781,000 | 359,582,000 |