Call reports 2015
GUARANTY BANK AND TRUST COMPANY — 2015
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,142,891,000 | 2,267,328,000 | 2,283,309,000 | 2,365,816,000 |
| Total loans | 1,555,154,000 | 1,668,658,000 | 1,726,151,000 | 1,814,536,000 |
| Allowance for loan losses | 22,500,000 | 22,850,000 | 22,890,000 | 23,000,000 |
| Securities available for sale | 295,700,000 | 283,496,000 | 276,353,000 | 255,431,000 |
| Securities held to maturity | 141,969,000 | 138,514,000 | 140,928,000 | 148,761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,723,379,000 | 1,750,356,000 | 1,853,827,000 | 1,805,706,000 |
| Interest-bearing deposits | 1,062,115,000 | 1,119,635,000 | 1,163,532,000 | 1,189,473,000 |
| Noninterest-bearing deposits | 661,264,000 | 630,721,000 | 690,295,000 | 616,233,000 |
| Equity capital | 233,279,000 | 229,739,000 | 236,797,000 | 242,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 19,848,000 | 40,001,000 | 60,857,000 | 82,305,000 |
| Interest expense | 878,000 | 1,894,000 | 3,147,000 | 4,536,000 |
| Net interest income | 18,970,000 | 38,107,000 | 57,710,000 | 77,769,000 |
| Noninterest income | 4,103,000 | 8,463,000 | 12,841,000 | 16,936,000 |
| Noninterest expense | 15,299,000 | 29,756,000 | 44,405,000 | 59,181,000 |
| Provision for loan losses | -23,000 | 90,000 | 104,000 | 96,000 |
| Pretax income | 7,797,000 | 16,724,000 | 26,042,000 | 35,560,000 |
| Income tax | 2,616,000 | 5,610,000 | 8,679,000 | 11,765,000 |
| Net income | 5,181,000 | 10,992,000 | 17,241,000 | 23,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,742,000 | 230,370,000 | 237,646,000 | 245,055,000 |
| Total capital | 254,370,000 | 253,348,000 | 260,663,000 | 268,176,000 |
| Risk-weighted assets | 1,860,642,000 | 1,960,149,000 | 1,990,468,000 | 2,048,750,000 |