Call reports 2016
GUARANTY BANK AND TRUST COMPANY — 2016
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,359,848,000 | 2,392,516,000 | 3,343,043,000 | 3,363,684,000 |
| Total loans | 1,830,246,000 | 1,898,543,000 | 2,412,999,000 | 2,519,137,000 |
| Allowance for loan losses | 23,025,000 | 23,050,000 | 23,300,000 | 23,250,000 |
| Securities available for sale | 229,478,000 | 198,156,000 | 364,349,000 | 324,228,000 |
| Securities held to maturity | 152,213,000 | 149,196,000 | 183,184,000 | 243,978,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,872,983,000 | 1,854,974,000 | 2,763,758,000 | 2,708,786,000 |
| Interest-bearing deposits | 1,241,173,000 | 1,209,252,000 | 1,895,048,000 | 1,782,451,000 |
| Noninterest-bearing deposits | 631,811,000 | 645,721,000 | 868,710,000 | 926,334,000 |
| Equity capital | 249,304,000 | 246,699,000 | 403,465,000 | 408,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 21,853,000 | 43,698,000 | 69,032,000 | 99,825,000 |
| Interest expense | 1,640,000 | 3,445,000 | 5,322,000 | 7,460,000 |
| Net interest income | 20,213,000 | 40,253,000 | 63,710,000 | 92,365,000 |
| Noninterest income | 4,111,000 | 8,324,000 | 13,047,000 | 19,203,000 |
| Noninterest expense | 15,674,000 | 30,346,000 | 48,101,000 | 71,203,000 |
| Provision for loan losses | 16,000 | 26,000 | 53,000 | 143,000 |
| Pretax income | 8,679,000 | 18,149,000 | 28,481,000 | 40,149,000 |
| Income tax | 2,946,000 | 6,139,000 | 9,605,000 | 13,012,000 |
| Net income | 5,733,000 | 12,010,000 | 18,876,000 | 26,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 250,782,000 | 247,870,000 | 343,412,000 | 351,806,000 |
| Total capital | 273,924,000 | 271,031,000 | 366,820,000 | 375,212,000 |
| Risk-weighted assets | 2,056,961,000 | 2,085,144,000 | 2,696,118,000 | 2,830,159,000 |