Call reports 2003
GUARANTY BANK AND TRUST COMPANY — 2003
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 234,299,000 | 233,831,000 | 239,974,000 | 250,441,000 |
| Total loans | 152,965,000 | 159,037,000 | 160,091,000 | 154,028,000 |
| Allowance for loan losses | 3,501,000 | 3,640,000 | 3,656,000 | 3,602,000 |
| Securities available for sale | 30,418,000 | 31,556,000 | 31,899,000 | 47,461,000 |
| Securities held to maturity | 24,778,000 | 24,394,000 | 21,779,000 | 23,987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,896,000 | 192,698,000 | 198,136,000 | 209,440,000 |
| Interest-bearing deposits | 164,487,000 | 160,652,000 | 167,242,000 | 172,640,000 |
| Noninterest-bearing deposits | 31,409,000 | 32,046,000 | 30,894,000 | 36,801,000 |
| Equity capital | 26,384,000 | 26,517,000 | 27,142,000 | 27,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,467,000 | 6,929,000 | 10,432,000 | 13,619,000 |
| Interest expense | 968,000 | 1,915,000 | 2,833,000 | 3,684,000 |
| Net interest income | 2,499,000 | 5,014,000 | 7,599,000 | 9,935,000 |
| Noninterest income | 624,000 | 1,342,000 | 2,015,000 | 2,642,000 |
| Noninterest expense | 1,874,000 | 3,731,000 | 5,528,000 | 7,479,000 |
| Provision for loan losses | 301,000 | 749,000 | 997,000 | 1,371,000 |
| Pretax income | 981,000 | 1,909,000 | 3,122,000 | 3,760,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 981,000 | 1,909,000 | 3,122,000 | 3,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,517,000 | 25,616,000 | 26,416,000 | 27,060,000 |
| Total capital | 27,708,000 | 27,808,000 | 28,670,000 | 29,247,000 |
| Risk-weighted assets | 173,863,000 | 173,914,000 | 178,537,000 | 173,558,000 |