Call reports 2013
GUARANTY BANK & TRUST, N.A. — 2013
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,153,801,000 | 1,173,787,000 | 1,220,240,000 | 1,246,315,000 |
| Total loans | 636,893,000 | 648,959,000 | 671,166,000 | 706,284,000 |
| Allowance for loan losses | 6,494,000 | 6,469,000 | 6,810,000 | 7,093,000 |
| Securities available for sale | 314,094,000 | 253,156,000 | 255,432,000 | 246,395,000 |
| Securities held to maturity | 103,562,000 | 137,469,000 | 141,409,000 | 140,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 954,125,000 | 933,514,000 | 964,013,000 | 1,002,487,000 |
| Interest-bearing deposits | 902,549,000 | 871,717,000 | 904,896,000 | 788,200,000 |
| Noninterest-bearing deposits | 51,576,000 | 61,797,000 | 59,117,000 | 214,287,000 |
| Equity capital | 110,114,000 | 103,974,000 | 118,408,000 | 122,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,460,000 | 19,734,000 | 30,514,000 | 41,670,000 |
| Interest expense | 1,583,000 | 2,965,000 | 4,203,000 | 5,445,000 |
| Net interest income | 7,877,000 | 16,769,000 | 26,311,000 | 36,225,000 |
| Noninterest income | 2,736,000 | 5,563,000 | 8,204,000 | 10,727,000 |
| Noninterest expense | 7,173,000 | 14,526,000 | 22,321,000 | 30,334,000 |
| Provision for loan losses | 345,000 | 705,000 | 1,295,000 | 1,745,000 |
| Pretax income | 3,318,000 | 7,554,000 | 11,352,000 | 15,451,000 |
| Income tax | 0 | 0 | 0 | -3,373,000 |
| Net income | 3,318,000 | 7,554,000 | 11,352,000 | 18,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,358,000 | 107,704,000 | 114,726,000 | 122,340,000 |
| Total capital | 110,852,000 | 114,173,000 | 121,536,000 | 129,433,000 |
| Risk-weighted assets | 697,242,000 | 711,556,000 | 738,528,000 | 772,334,000 |