Call reports 2013
GUARANTY BANK AND TRUST COMPANY — 2013
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,830,467,000 | 1,859,761,000 | 1,889,836,000 | 1,904,311,000 |
| Total loans | 1,180,607,000 | 1,240,554,000 | 1,293,252,000 | 1,320,424,000 |
| Allowance for loan losses | 24,060,000 | 20,218,000 | 20,450,000 | 21,005,000 |
| Securities available for sale | 461,137,000 | 430,699,000 | 420,903,000 | 383,438,000 |
| Securities held to maturity | 35,164,000 | 34,772,000 | 33,384,000 | 41,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,447,695,000 | 1,454,158,000 | 1,486,936,000 | 1,534,064,000 |
| Interest-bearing deposits | 922,309,000 | 943,468,000 | 957,185,000 | 964,131,000 |
| Noninterest-bearing deposits | 525,386,000 | 510,690,000 | 529,751,000 | 569,933,000 |
| Equity capital | 204,137,000 | 200,548,000 | 204,117,000 | 204,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 17,315,000 | 34,758,000 | 52,542,000 | 70,606,000 |
| Interest expense | 1,471,000 | 2,946,000 | 4,470,000 | 5,946,000 |
| Net interest income | 15,844,000 | 31,812,000 | 48,072,000 | 64,660,000 |
| Noninterest income | 2,885,000 | 6,999,000 | 10,835,000 | 15,285,000 |
| Noninterest expense | 14,086,000 | 28,272,000 | 42,227,000 | 56,407,000 |
| Provision for loan losses | 0 | 0 | 142,000 | 296,000 |
| Pretax income | 4,643,000 | 10,593,000 | 16,612,000 | 23,231,000 |
| Income tax | 1,435,000 | 3,330,000 | 5,266,000 | 7,429,000 |
| Net income | 3,208,000 | 7,263,000 | 11,346,000 | 15,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,819,000 | 201,539,000 | 206,299,000 | 208,287,000 |
| Total capital | 215,389,000 | 220,751,000 | 225,918,000 | 228,141,000 |
| Risk-weighted assets | 1,480,014,000 | 1,535,837,000 | 1,568,599,000 | 1,587,085,000 |