Call reports 2022
GUARANTY BANK & TRUST, N.A. — 2022
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 3,189,178,000 | 3,280,100,000 | 3,389,284,000 | 3,350,152,000 |
| Total loans | 2,013,711,000 | 2,139,425,000 | 2,266,766,000 | 2,379,375,000 |
| Allowance for loan losses | 29,096,000 | 28,997,000 | 29,235,000 | 31,974,000 |
| Securities available for sale | 306,704,000 | 196,095,000 | 197,944,000 | 188,927,000 |
| Securities held to maturity | 494,289,000 | 713,390,000 | 633,386,000 | 509,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,824,717,000 | 2,794,970,000 | 2,801,973,000 | 2,688,002,000 |
| Interest-bearing deposits | 1,731,621,000 | 1,673,865,000 | 1,649,326,000 | 1,629,010,000 |
| Noninterest-bearing deposits | 1,093,096,000 | 1,121,105,000 | 1,152,647,000 | 1,058,992,000 |
| Equity capital | 320,609,000 | 320,481,000 | 329,669,000 | 339,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 25,891,000 | 55,009,000 | 87,483,000 | 123,201,000 |
| Interest expense | 1,291,000 | 3,106,000 | 6,777,000 | 13,625,000 |
| Net interest income | 24,600,000 | 51,903,000 | 80,706,000 | 109,576,000 |
| Noninterest income | 6,479,000 | 12,560,000 | 18,363,000 | 23,313,000 |
| Noninterest expense | 18,597,000 | 37,762,000 | 57,504,000 | 77,933,000 |
| Provision for loan losses | -1,250,000 | -1,250,000 | -650,000 | 2,150,000 |
| Pretax income | 13,732,000 | 27,951,000 | 42,215,000 | 52,978,000 |
| Income tax | 2,435,000 | 5,131,000 | 7,778,000 | 9,758,000 |
| Net income | 11,297,000 | 22,838,000 | 34,458,000 | 43,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 297,670,000 | 309,306,000 | 321,036,000 | 329,933,000 |
| Total capital | 324,424,000 | 337,604,000 | 350,271,000 | 361,125,000 |
| Risk-weighted assets | 2,138,057,000 | 2,263,152,000 | 2,398,766,000 | 2,494,631,000 |