Call reports 2023
GUARANTY BANK & TRUST, N.A. — 2023
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,354,787,000 | 3,204,287,000 | 3,228,044,000 | 3,182,363,000 |
| Total loans | 2,377,453,000 | 2,333,436,000 | 2,319,809,000 | 2,322,777,000 |
| Allowance for loan losses | 31,953,000 | 31,759,000 | 31,140,000 | 30,920,000 |
| Securities available for sale | 173,744,000 | 166,596,000 | 178,644,000 | 196,195,000 |
| Securities held to maturity | 476,105,000 | 437,292,000 | 408,308,000 | 404,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,626,489,000 | 2,604,287,000 | 2,659,917,000 | 2,636,233,000 |
| Interest-bearing deposits | 1,630,841,000 | 1,687,355,000 | 1,754,902,000 | 1,780,289,000 |
| Noninterest-bearing deposits | 995,648,000 | 916,932,000 | 905,015,000 | 855,944,000 |
| Equity capital | 347,714,000 | 356,366,000 | 345,465,000 | 351,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 37,140,000 | 75,871,000 | 115,685,000 | 156,477,000 |
| Interest expense | 11,441,000 | 24,874,000 | 40,652,000 | 57,006,000 |
| Net interest income | 25,699,000 | 50,997,000 | 75,033,000 | 99,471,000 |
| Noninterest income | 4,812,000 | 13,007,000 | 17,946,000 | 22,742,000 |
| Noninterest expense | 19,644,000 | 39,586,000 | 59,711,000 | 80,709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,960,000 | 24,189,000 | 33,039,000 | 41,275,000 |
| Income tax | 1,968,000 | 4,755,000 | 6,489,000 | 8,042,000 |
| Net income | 8,996,000 | 19,443,000 | 26,566,000 | 33,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 339,038,000 | 349,593,000 | 341,818,000 | 343,607,000 |
| Total capital | 370,244,000 | 379,964,000 | 372,346,000 | 373,778,000 |
| Risk-weighted assets | 2,495,740,000 | 2,428,308,000 | 2,441,673,000 | 2,412,942,000 |