Call reports 2019
GUARANTY BANK & TRUST, N.A. — 2019
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,308,991,000 | 2,332,376,000 | 2,325,537,000 | 2,318,497,000 |
| Total loans | 1,657,391,000 | 1,698,500,000 | 1,740,830,000 | 1,709,364,000 |
| Allowance for loan losses | 15,190,000 | 15,743,000 | 16,394,000 | 16,202,000 |
| Securities available for sale | 236,979,000 | 228,714,000 | 221,345,000 | 212,716,000 |
| Securities held to maturity | 160,980,000 | 158,915,000 | 156,925,000 | 155,458,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,967,916,000 | 1,985,078,000 | 1,968,011,000 | 1,964,068,000 |
| Interest-bearing deposits | 1,472,095,000 | 1,485,641,000 | 1,435,012,000 | 1,430,939,000 |
| Noninterest-bearing deposits | 495,821,000 | 499,437,000 | 532,999,000 | 533,129,000 |
| Equity capital | 259,490,000 | 263,712,000 | 265,649,000 | 268,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 25,303,000 | 50,852,000 | 76,702,000 | 102,546,000 |
| Interest expense | 6,131,000 | 12,228,000 | 17,836,000 | 23,038,000 |
| Net interest income | 19,172,000 | 38,624,000 | 58,866,000 | 79,508,000 |
| Noninterest income | 3,562,000 | 7,694,000 | 12,310,000 | 16,984,000 |
| Noninterest expense | 15,057,000 | 29,957,000 | 44,935,000 | 60,706,000 |
| Provision for loan losses | 575,000 | 1,150,000 | 1,250,000 | 1,250,000 |
| Pretax income | 7,102,000 | 15,189,000 | 24,969,000 | 34,514,000 |
| Income tax | 1,328,000 | 2,823,000 | 4,643,000 | 6,417,000 |
| Net income | 5,774,000 | 12,366,000 | 20,326,000 | 28,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 227,478,000 | 229,283,000 | 230,457,000 | 233,440,000 |
| Total capital | 242,668,000 | 245,026,000 | 246,851,000 | 249,642,000 |
| Risk-weighted assets | 1,842,291,000 | 1,876,095,000 | 1,915,372,000 | 1,909,676,000 |