Call reports 2024
GUARANTY BANK & TRUST, N.A. — 2024
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 3,124,885,000 | 3,078,782,000 | 3,094,039,000 | 3,112,902,000 |
| Total loans | 2,265,446,000 | 2,215,400,000 | 2,136,910,000 | 2,130,998,000 |
| Allowance for loan losses | 30,560,000 | 29,282,000 | 28,543,000 | 28,290,000 |
| Securities available for sale | 228,787,000 | 242,662,000 | 277,567,000 | 340,304,000 |
| Securities held to maturity | 363,963,000 | 347,992,000 | 341,911,000 | 334,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,637,746,000 | 2,626,799,000 | 2,675,733,000 | 2,693,919,000 |
| Interest-bearing deposits | 1,798,983,000 | 1,805,732,000 | 1,829,347,000 | 1,854,735,000 |
| Noninterest-bearing deposits | 838,763,000 | 821,067,000 | 846,386,000 | 839,184,000 |
| Equity capital | 342,155,000 | 351,619,000 | 356,332,000 | 358,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 40,748,000 | 81,457,000 | 121,886,000 | 163,144,000 |
| Interest expense | 16,630,000 | 32,952,000 | 48,683,000 | 63,210,000 |
| Net interest income | 24,118,000 | 48,505,000 | 73,203,000 | 99,934,000 |
| Noninterest income | 5,322,000 | 9,983,000 | 15,195,000 | 20,981,000 |
| Noninterest expense | 20,339,000 | 40,516,000 | 60,870,000 | 80,368,000 |
| Provision for loan losses | -250,000 | -1,450,000 | -1,950,000 | -2,200,000 |
| Pretax income | 9,351,000 | 19,422,000 | 29,478,000 | 42,747,000 |
| Income tax | 1,850,000 | 3,914,000 | 5,911,000 | 8,555,000 |
| Net income | 7,508,000 | 15,527,000 | 23,604,000 | 34,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 336,214,000 | 344,327,000 | 342,492,000 | 353,299,000 |
| Total capital | 365,983,000 | 373,375,000 | 370,734,000 | 381,280,000 |
| Risk-weighted assets | 2,380,733,000 | 2,323,680,000 | 2,259,083,000 | 2,238,175,000 |