Call reports 2014
GUARANTY BANK AND TRUST COMPANY — 2014
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 644,507,000 | 620,302,000 | 599,341,000 | 600,705,000 |
| Total loans | 390,424,000 | 408,400,000 | 406,125,000 | 395,901,000 |
| Allowance for loan losses | 6,982,000 | 6,681,000 | 7,236,000 | 6,561,000 |
| Securities available for sale | 76,394,000 | 79,796,000 | 71,827,000 | 70,786,000 |
| Securities held to maturity | 71,905,000 | 73,687,000 | 70,524,000 | 71,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,465,000 | 515,395,000 | 494,285,000 | 519,310,000 |
| Interest-bearing deposits | 450,231,000 | 415,444,000 | 390,834,000 | 392,890,000 |
| Noninterest-bearing deposits | 114,234,000 | 99,952,000 | 103,451,000 | 126,420,000 |
| Equity capital | 69,577,000 | 69,047,000 | 69,490,000 | 70,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,127,000 | 12,430,000 | 18,972,000 | 25,200,000 |
| Interest expense | 521,000 | 1,026,000 | 1,534,000 | 2,022,000 |
| Net interest income | 5,606,000 | 11,404,000 | 17,438,000 | 23,178,000 |
| Noninterest income | 1,874,000 | 3,721,000 | 5,921,000 | 8,252,000 |
| Noninterest expense | 5,235,000 | 9,906,000 | 14,912,000 | 19,820,000 |
| Provision for loan losses | 129,000 | 962,000 | 1,607,000 | 2,079,000 |
| Pretax income | 2,050,000 | 4,188,000 | 6,769,000 | 9,460,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,050,000 | 4,188,000 | 6,769,000 | 9,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,506,000 | 68,405,000 | 69,214,000 | 70,135,000 |
| Total capital | 74,978,000 | 74,244,000 | 74,990,000 | 75,889,000 |
| Risk-weighted assets | 446,598,000 | 466,253,000 | 460,665,000 | 459,485,000 |