Call reports 2014
GUARANTY BANK AND TRUST COMPANY — 2014
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,957,127,000 | 2,036,830,000 | 2,075,957,000 | 2,122,159,000 |
| Total loans | 1,362,312,000 | 1,438,089,000 | 1,482,267,000 | 1,541,434,000 |
| Allowance for loan losses | 21,550,000 | 22,155,000 | 22,350,000 | 22,490,000 |
| Securities available for sale | 398,160,000 | 355,478,000 | 349,993,000 | 346,146,000 |
| Securities held to maturity | 54,020,000 | 92,447,000 | 91,041,000 | 88,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,536,343,000 | 1,559,638,000 | 1,668,086,000 | 1,690,129,000 |
| Interest-bearing deposits | 959,357,000 | 975,613,000 | 1,044,895,000 | 1,031,271,000 |
| Noninterest-bearing deposits | 576,986,000 | 584,025,000 | 623,191,000 | 658,858,000 |
| Equity capital | 211,275,000 | 218,608,000 | 223,674,000 | 226,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 17,876,000 | 36,595,000 | 56,118,000 | 75,496,000 |
| Interest expense | 1,424,000 | 2,886,000 | 4,405,000 | 5,907,000 |
| Net interest income | 16,452,000 | 33,709,000 | 51,713,000 | 69,589,000 |
| Noninterest income | 3,637,000 | 7,390,000 | 11,598,000 | 16,371,000 |
| Noninterest expense | 14,289,000 | 28,789,000 | 43,600,000 | 63,862,000 |
| Provision for loan losses | -6,000 | 18,000 | 15,000 | 14,000 |
| Pretax income | 5,831,000 | 12,317,000 | 19,724,000 | 22,112,000 |
| Income tax | 1,948,000 | 3,982,000 | 6,458,000 | 7,058,000 |
| Net income | 3,883,000 | 8,225,000 | 13,156,000 | 14,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 212,886,000 | 218,022,000 | 220,954,000 | 223,619,000 |
| Total capital | 233,382,000 | 239,487,000 | 242,843,000 | 246,240,000 |
| Risk-weighted assets | 1,638,518,000 | 1,716,414,000 | 1,750,537,000 | 1,813,715,000 |