Call reports 2020
GUARANTY BANK & TRUST, N.A. — 2020
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,391,235,000 | 2,667,483,000 | 2,662,941,000 | 2,741,053,000 |
| Total loans | 1,722,833,000 | 1,960,514,000 | 1,964,139,000 | 1,870,898,000 |
| Allowance for loan losses | 21,948,000 | 34,119,000 | 33,757,000 | 33,619,000 |
| Securities available for sale | 377,062,000 | 376,381,000 | 368,887,000 | 380,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,004,710,000 | 2,245,138,000 | 2,224,898,000 | 2,287,617,000 |
| Interest-bearing deposits | 1,471,609,000 | 1,469,847,000 | 1,446,718,000 | 1,506,650,000 |
| Noninterest-bearing deposits | 533,101,000 | 775,291,000 | 778,180,000 | 780,967,000 |
| Equity capital | 283,851,000 | 284,099,000 | 295,256,000 | 305,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 25,249,000 | 51,827,000 | 76,781,000 | 103,032,000 |
| Interest expense | 4,512,000 | 7,688,000 | 10,108,000 | 12,121,000 |
| Net interest income | 20,737,000 | 44,139,000 | 66,673,000 | 90,911,000 |
| Noninterest income | 4,961,000 | 9,948,000 | 16,611,000 | 23,037,000 |
| Noninterest expense | 15,981,000 | 30,714,000 | 47,004,000 | 64,521,000 |
| Provision for loan losses | 1,400,000 | 13,500,000 | 13,200,000 | 13,200,000 |
| Pretax income | 8,317,000 | 9,873,000 | 23,080,000 | 36,227,000 |
| Income tax | 1,446,000 | 1,498,000 | 3,995,000 | 6,469,000 |
| Net income | 6,871,000 | 8,375,000 | 19,085,000 | 29,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 246,932,000 | 238,650,000 | 249,572,000 | 260,459,000 |
| Total capital | 268,880,000 | 265,422,000 | 276,509,000 | 285,490,000 |
| Risk-weighted assets | 1,974,848,000 | 2,134,432,000 | 2,148,173,000 | 1,993,919,000 |