Call reports 2002
GUARANTY BANK AND TRUST COMPANY — 2002
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 235,121,000 | 234,177,000 | 240,661,000 | 236,235,000 |
| Total loans | 147,054,000 | 155,518,000 | 161,475,000 | 158,434,000 |
| Allowance for loan losses | 3,354,000 | 3,206,000 | 3,339,000 | 3,339,000 |
| Securities available for sale | 48,775,000 | 41,917,000 | 39,752,000 | 37,508,000 |
| Securities held to maturity | 23,309,000 | 23,667,000 | 22,367,000 | 21,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,839,000 | 190,627,000 | 181,797,000 | 180,930,000 |
| Interest-bearing deposits | 170,804,000 | 164,226,000 | 151,786,000 | 149,988,000 |
| Noninterest-bearing deposits | 28,035,000 | 26,401,000 | 30,011,000 | 30,942,000 |
| Equity capital | 24,111,000 | 24,316,000 | 24,794,000 | 25,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,709,000 | 7,576,000 | 11,427,000 | 15,199,000 |
| Interest expense | 1,391,000 | 2,699,000 | 3,911,000 | 5,033,000 |
| Net interest income | 2,318,000 | 4,877,000 | 7,516,000 | 10,166,000 |
| Noninterest income | 497,000 | 1,033,000 | 1,524,000 | 2,109,000 |
| Noninterest expense | 1,781,000 | 3,571,000 | 5,383,000 | 7,156,000 |
| Provision for loan losses | 221,000 | 445,000 | 877,000 | 1,486,000 |
| Pretax income | 813,000 | 1,894,000 | 2,780,000 | 3,642,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 813,000 | 1,894,000 | 2,780,000 | 3,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,450,000 | 23,444,000 | 23,789,000 | 24,660,000 |
| Total capital | 25,647,000 | 25,395,000 | 25,982,000 | 26,866,000 |
| Risk-weighted assets | 174,641,000 | 154,748,000 | 174,446,000 | 175,374,000 |