Call reports 2001
GUARANTY BANK AND TRUST COMPANY — 2001
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 683,950,000 | 723,818,000 | 737,467,000 | 772,439,000 |
| Total loans | 522,650,000 | 553,999,000 | 569,653,000 | 606,442,000 |
| Allowance for loan losses | 5,950,000 | 6,264,000 | 6,347,000 | 6,469,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 90,136,000 | 83,421,000 | 82,101,000 | 79,272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 628,617,000 | 666,896,000 | 675,789,000 | 708,475,000 |
| Interest-bearing deposits | 569,029,000 | 582,918,000 | 617,331,000 | 613,118,000 |
| Noninterest-bearing deposits | 59,588,000 | 83,978,000 | 58,458,000 | 95,357,000 |
| Equity capital | 52,244,000 | 54,489,000 | 57,710,000 | 60,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 14,736,000 | 28,706,000 | 42,002,000 | 54,233,000 |
| Interest expense | 5,429,000 | 9,869,000 | 13,456,000 | 15,718,000 |
| Net interest income | 9,307,000 | 18,837,000 | 28,546,000 | 38,515,000 |
| Noninterest income | 752,000 | 1,705,000 | 3,148,000 | 3,617,000 |
| Noninterest expense | 6,437,000 | 13,142,000 | 19,859,000 | 26,523,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 3,322,000 | 6,800,000 | 10,935,000 | 14,409,000 |
| Income tax | 1,166,000 | 2,399,000 | 3,889,000 | 5,142,000 |
| Net income | 2,156,000 | 4,401,000 | 7,046,000 | 9,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,244,000 | 54,489,000 | 57,710,000 | 60,931,000 |
| Total capital | 58,194,000 | 60,753,000 | 64,057,000 | 67,400,000 |
| Risk-weighted assets | 566,356,000 | 605,292,000 | 634,994,000 | 667,117,000 |