Call reports 2021
GUARANTY BANK & TRUST, N.A. — 2021
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,891,363,000 | 2,932,919,000 | 2,967,670,000 | 3,085,443,000 |
| Total loans | 1,914,418,000 | 1,892,913,000 | 1,970,792,000 | 1,910,638,000 |
| Allowance for loan losses | 32,770,000 | 31,548,000 | 30,621,000 | 30,433,000 |
| Securities available for sale | 407,736,000 | 446,636,000 | 269,070,000 | 342,206,000 |
| Securities held to maturity | 0 | 0 | 173,676,000 | 184,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,477,230,000 | 2,535,283,000 | 2,565,494,000 | 2,673,536,000 |
| Interest-bearing deposits | 1,596,327,000 | 1,604,610,000 | 1,590,217,000 | 1,656,309,000 |
| Noninterest-bearing deposits | 880,903,000 | 930,673,000 | 975,277,000 | 1,017,227,000 |
| Equity capital | 315,675,000 | 308,002,000 | 319,836,000 | 326,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 26,511,000 | 51,793,000 | 77,026,000 | 102,543,000 |
| Interest expense | 1,707,000 | 3,304,000 | 4,762,000 | 6,076,000 |
| Net interest income | 24,804,000 | 48,489,000 | 72,264,000 | 96,467,000 |
| Noninterest income | 6,119,000 | 12,089,000 | 18,538,000 | 24,576,000 |
| Noninterest expense | 16,829,000 | 33,976,000 | 52,299,000 | 70,759,000 |
| Provision for loan losses | 0 | -1,000,000 | -1,700,000 | -1,700,000 |
| Pretax income | 14,094,000 | 27,602,000 | 40,203,000 | 51,984,000 |
| Income tax | 2,451,000 | 4,931,000 | 7,396,000 | 9,468,000 |
| Net income | 11,643,000 | 22,671,000 | 32,807,000 | 42,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 272,315,000 | 265,556,000 | 275,839,000 | 285,661,000 |
| Total capital | 296,258,000 | 289,779,000 | 301,528,000 | 311,335,000 |
| Risk-weighted assets | 1,906,631,000 | 1,930,523,000 | 2,050,189,000 | 2,049,199,000 |