Call reports 2002
GUARANTY BANK AND TRUST COMPANY — 2002
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 768,101,000 | 822,218,000 | 879,510,000 | 912,396,000 |
| Total loans | 641,090,000 | 686,257,000 | 722,163,000 | 776,747,000 |
| Allowance for loan losses | 6,769,000 | 7,017,000 | 7,312,000 | 7,762,000 |
| Securities available for sale | 0 | 0 | 0 | 65,927,000 |
| Securities held to maturity | 72,688,000 | 70,379,000 | 64,303,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 667,610,000 | 732,888,000 | 804,585,000 | 833,889,000 |
| Interest-bearing deposits | 589,889,000 | 672,593,000 | 717,507,000 | 741,554,000 |
| Noninterest-bearing deposits | 77,721,000 | 60,295,000 | 87,078,000 | 92,335,000 |
| Equity capital | 63,133,000 | 65,368,000 | 70,991,000 | 75,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 12,002,000 | 24,353,000 | 37,537,000 | 50,741,000 |
| Interest expense | 1,622,000 | 3,704,000 | 6,012,000 | 8,144,000 |
| Net interest income | 10,380,000 | 20,649,000 | 31,525,000 | 42,597,000 |
| Noninterest income | 746,000 | 1,943,000 | 3,398,000 | 5,381,000 |
| Noninterest expense | 7,441,000 | 15,220,000 | 23,149,000 | 31,593,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 2,360,000 |
| Pretax income | 3,387,000 | 6,774,000 | 10,876,000 | 15,186,000 |
| Income tax | 1,185,000 | 2,337,000 | 3,816,000 | 5,374,000 |
| Net income | 2,202,000 | 4,437,000 | 7,060,000 | 9,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,133,000 | 64,893,000 | 70,516,000 | 73,268,000 |
| Total capital | 69,902,000 | 71,910,000 | 77,828,000 | 81,030,000 |
| Risk-weighted assets | 682,931,000 | 745,387,000 | 775,842,000 | 815,542,000 |