Call reports 2003
GUARANTY BANK AND TRUST COMPANY — 2003
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 920,018,000 | 990,795,000 | 985,498,000 | 1,018,756,000 |
| Total loans | 773,828,000 | 782,567,000 | 789,577,000 | 790,932,000 |
| Allowance for loan losses | 8,821,000 | 8,870,000 | 8,743,000 | 8,707,000 |
| Securities available for sale | 57,951,000 | 58,897,000 | 57,241,000 | 110,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 838,679,000 | 906,733,000 | 898,565,000 | 928,729,000 |
| Interest-bearing deposits | 759,915,000 | 789,422,000 | 810,002,000 | 816,483,000 |
| Noninterest-bearing deposits | 78,764,000 | 117,311,000 | 88,563,000 | 112,246,000 |
| Equity capital | 77,312,000 | 80,583,000 | 82,880,000 | 85,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 12,498,000 | 25,320,000 | 38,115,000 | 51,114,000 |
| Interest expense | 1,872,000 | 3,719,000 | 5,304,000 | 6,880,000 |
| Net interest income | 10,626,000 | 21,601,000 | 32,811,000 | 44,234,000 |
| Noninterest income | 1,944,000 | 3,975,000 | 5,825,000 | 7,525,000 |
| Noninterest expense | 8,600,000 | 17,224,000 | 25,993,000 | 34,892,000 |
| Provision for loan losses | 1,050,000 | 1,050,000 | 1,050,000 | 1,050,000 |
| Pretax income | 3,792,000 | 8,174,000 | 12,465,000 | 16,708,000 |
| Income tax | 1,296,000 | 2,842,000 | 4,367,000 | 5,883,000 |
| Net income | 2,496,000 | 5,332,000 | 8,098,000 | 10,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,763,000 | 78,599,000 | 81,366,000 | 84,114,000 |
| Total capital | 84,584,000 | 87,469,000 | 90,109,000 | 92,821,000 |
| Risk-weighted assets | 816,939,000 | 848,397,000 | 890,188,000 | 901,562,000 |