Call reports 2015
GUARANTY BANK & TRUST, N.A. — 2015
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,495,053,000 | 1,487,367,000 | 1,605,449,000 | 1,681,069,000 |
| Total loans | 956,478,000 | 1,011,669,000 | 1,056,648,000 | 1,072,534,000 |
| Allowance for loan losses | 7,746,000 | 8,823,000 | 8,814,000 | 9,263,000 |
| Securities available for sale | 240,412,000 | 180,937,000 | 227,296,000 | 272,944,000 |
| Securities held to maturity | 130,051,000 | 126,203,000 | 122,400,000 | 125,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,200,482,000 | 1,209,741,000 | 1,329,052,000 | 1,467,627,000 |
| Interest-bearing deposits | 920,114,000 | 915,463,000 | 1,000,228,000 | 1,140,780,000 |
| Noninterest-bearing deposits | 280,368,000 | 294,278,000 | 328,824,000 | 326,847,000 |
| Equity capital | 169,708,000 | 150,807,000 | 169,384,000 | 174,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,841,000 | 25,906,000 | 40,278,000 | 55,230,000 |
| Interest expense | 1,481,000 | 3,112,000 | 5,073,000 | 7,184,000 |
| Net interest income | 10,360,000 | 22,794,000 | 35,205,000 | 48,046,000 |
| Noninterest income | 2,354,000 | 5,080,000 | 8,031,000 | 10,813,000 |
| Noninterest expense | 8,477,000 | 18,207,000 | 28,839,000 | 39,470,000 |
| Provision for loan losses | 200,000 | 1,400,000 | 1,550,000 | 2,150,000 |
| Pretax income | 4,032,000 | 8,236,000 | 12,757,000 | 17,093,000 |
| Income tax | 1,030,000 | 2,431,000 | 3,811,000 | 5,141,000 |
| Net income | 3,002,000 | 5,805,000 | 8,946,000 | 11,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,671,000 | 139,815,000 | 153,668,000 | 160,908,000 |
| Total capital | 164,417,000 | 148,638,000 | 162,482,000 | 170,171,000 |
| Risk-weighted assets | 1,068,114,000 | 1,109,012,000 | 1,178,512,000 | 1,188,702,000 |