Call reports 2004
GUARANTY BANK & TRUST, N.A. — 2004
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 517,526,000 | 519,194,000 | 531,085,000 | 541,039,000 |
| Total loans | 367,902,000 | 372,833,000 | 379,792,000 | 377,334,000 |
| Allowance for loan losses | 4,029,000 | 4,071,000 | 4,135,000 | 4,154,000 |
| Securities available for sale | 88,890,000 | 93,613,000 | 94,691,000 | 99,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,995,000 | 414,612,000 | 425,810,000 | 438,705,000 |
| Interest-bearing deposits | 339,990,000 | 336,695,000 | 341,427,000 | 351,441,000 |
| Noninterest-bearing deposits | 77,005,000 | 77,917,000 | 84,383,000 | 87,264,000 |
| Equity capital | 46,070,000 | 45,476,000 | 42,762,000 | 43,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,700,000 | 13,212,000 | 19,999,000 | 27,029,000 |
| Interest expense | 1,899,000 | 3,819,000 | 5,875,000 | 8,133,000 |
| Net interest income | 4,801,000 | 9,393,000 | 14,124,000 | 18,896,000 |
| Noninterest income | 1,194,000 | 2,456,000 | 3,723,000 | 4,753,000 |
| Noninterest expense | 3,996,000 | 8,002,000 | 12,155,000 | 16,230,000 |
| Provision for loan losses | 250,000 | 480,000 | 680,000 | 930,000 |
| Pretax income | 1,791,000 | 3,409,000 | 5,132,000 | 6,609,000 |
| Income tax | 472,000 | 877,000 | 1,359,000 | 1,716,000 |
| Net income | 1,319,000 | 2,532,000 | 3,773,000 | 4,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,119,000 | 43,882,000 | 40,124,000 | 40,743,000 |
| Total capital | 47,148,000 | 47,953,000 | 44,259,000 | 44,897,000 |
| Risk-weighted assets | 358,826,000 | 360,666,000 | 369,543,000 | 366,592,000 |