Call reports 2016
GUARANTY BANK & TRUST, N.A. — 2016
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,792,866,000 | 1,778,084,000 | 1,791,776,000 | 1,826,311,000 |
| Total loans | 1,147,048,000 | 1,188,083,000 | 1,232,427,000 | 1,247,698,000 |
| Allowance for loan losses | 9,665,000 | 11,606,000 | 11,166,000 | 11,484,000 |
| Securities available for sale | 232,681,000 | 179,939,000 | 143,243,000 | 156,925,000 |
| Securities held to maturity | 199,057,000 | 197,969,000 | 193,083,000 | 189,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,532,181,000 | 1,492,512,000 | 1,537,272,000 | 1,578,437,000 |
| Interest-bearing deposits | 1,194,158,000 | 1,156,365,000 | 1,187,485,000 | 1,218,039,000 |
| Noninterest-bearing deposits | 338,023,000 | 336,147,000 | 349,787,000 | 360,398,000 |
| Equity capital | 179,710,000 | 174,136,000 | 175,723,000 | 176,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 15,469,000 | 31,564,000 | 47,991,000 | 64,692,000 |
| Interest expense | 2,263,000 | 4,656,000 | 7,108,000 | 9,454,000 |
| Net interest income | 13,206,000 | 26,908,000 | 40,883,000 | 55,238,000 |
| Noninterest income | 2,769,000 | 5,919,000 | 9,080,000 | 12,405,000 |
| Noninterest expense | 11,062,000 | 21,865,000 | 32,849,000 | 44,278,000 |
| Provision for loan losses | 450,000 | 2,400,000 | 3,240,000 | 3,640,000 |
| Pretax income | 4,461,000 | 8,504,000 | 13,833,000 | 19,640,000 |
| Income tax | 1,320,000 | 2,370,000 | 3,940,000 | 5,615,000 |
| Net income | 3,141,000 | 6,134,000 | 9,893,000 | 14,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,065,000 | 156,146,000 | 157,826,000 | 162,044,000 |
| Total capital | 172,730,000 | 167,752,000 | 168,992,000 | 173,528,000 |
| Risk-weighted assets | 1,265,079,000 | 1,295,730,000 | 1,330,432,000 | 1,374,336,000 |