Call reports 2004
GUARANTY BANK AND TRUST COMPANY — 2004
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 252,061,000 | 251,313,000 | 249,896,000 | 259,536,000 |
| Total loans | 141,549,000 | 154,471,000 | 157,233,000 | 153,011,000 |
| Allowance for loan losses | 4,052,000 | 3,953,000 | 3,934,000 | 3,884,000 |
| Securities available for sale | 66,254,000 | 55,136,000 | 51,324,000 | 60,777,000 |
| Securities held to maturity | 22,416,000 | 22,587,000 | 22,399,000 | 32,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,226,000 | 206,753,000 | 204,546,000 | 215,291,000 |
| Interest-bearing deposits | 178,472,000 | 172,831,000 | 170,498,000 | 172,316,000 |
| Noninterest-bearing deposits | 33,754,000 | 33,922,000 | 34,048,000 | 42,975,000 |
| Equity capital | 28,398,000 | 27,960,000 | 29,518,000 | 29,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,274,000 | 6,633,000 | 10,115,000 | 13,586,000 |
| Interest expense | 778,000 | 1,545,000 | 2,313,000 | 3,109,000 |
| Net interest income | 2,496,000 | 5,088,000 | 7,802,000 | 10,477,000 |
| Noninterest income | 691,000 | 1,439,000 | 2,334,000 | 3,097,000 |
| Noninterest expense | 2,059,000 | 3,962,000 | 5,974,000 | 8,166,000 |
| Provision for loan losses | 248,000 | 396,000 | 545,000 | 590,000 |
| Pretax income | 880,000 | 2,168,000 | 3,616,000 | 4,837,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 880,000 | 2,168,000 | 3,616,000 | 4,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,630,000 | 28,163,000 | 29,230,000 | 29,879,000 |
| Total capital | 29,763,000 | 30,401,000 | 31,540,000 | 32,207,000 |
| Risk-weighted assets | 168,713,000 | 177,358,000 | 183,165,000 | 184,695,000 |