Call reports 2004
GUARANTY BANK AND TRUST COMPANY — 2004
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,069,989,000 | 1,052,731,000 | 1,082,465,000 | 1,062,945,000 |
| Total loans | 873,484,000 | 897,094,000 | 905,259,000 | 836,566,000 |
| Allowance for loan losses | 8,977,000 | 8,975,000 | 9,274,000 | 13,419,000 |
| Securities available for sale | 103,968,000 | 95,408,000 | 86,131,000 | 76,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 975,333,000 | 923,158,000 | 952,834,000 | 973,041,000 |
| Interest-bearing deposits | 851,774,000 | 817,142,000 | 869,351,000 | 829,928,000 |
| Noninterest-bearing deposits | 123,559,000 | 106,016,000 | 83,483,000 | 143,113,000 |
| Equity capital | 89,731,000 | 91,406,000 | 95,409,000 | 87,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 13,522,000 | 27,545,000 | 42,087,000 | 57,328,000 |
| Interest expense | 1,576,000 | 3,107,000 | 4,706,000 | 6,587,000 |
| Net interest income | 11,946,000 | 24,438,000 | 37,381,000 | 50,741,000 |
| Noninterest income | 1,657,000 | 4,079,000 | 6,050,000 | 5,995,000 |
| Noninterest expense | 9,590,000 | 19,602,000 | 28,940,000 | 38,576,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 6,975,000 |
| Pretax income | 3,713,000 | 8,315,000 | 13,591,000 | 11,185,000 |
| Income tax | 1,270,000 | 2,906,000 | 4,798,000 | 3,620,000 |
| Net income | 2,443,000 | 5,409,000 | 8,793,000 | 7,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,560,000 | 90,528,000 | 93,916,000 | 87,133,000 |
| Total capital | 96,537,000 | 99,503,000 | 103,190,000 | 98,817,000 |
| Risk-weighted assets | 960,179,000 | 986,477,000 | 969,014,000 | 933,017,000 |