Call reports 2015
GUARANTY BANK AND TRUST COMPANY — 2015
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 643,872,000 | 632,482,000 | 635,824,000 | 616,251,000 |
| Total loans | 391,985,000 | 427,935,000 | 429,508,000 | 434,625,000 |
| Allowance for loan losses | 6,837,000 | 7,213,000 | 7,571,000 | 6,306,000 |
| Securities available for sale | 73,696,000 | 69,076,000 | 66,712,000 | 61,010,000 |
| Securities held to maturity | 75,907,000 | 74,434,000 | 71,470,000 | 69,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,156,000 | 525,010,000 | 519,962,000 | 515,437,000 |
| Interest-bearing deposits | 445,383,000 | 423,820,000 | 409,461,000 | 402,092,000 |
| Noninterest-bearing deposits | 116,773,000 | 101,191,000 | 110,501,000 | 113,345,000 |
| Equity capital | 72,311,000 | 70,683,000 | 71,026,000 | 72,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,094,000 | 12,431,000 | 19,067,000 | 25,574,000 |
| Interest expense | 483,000 | 970,000 | 1,468,000 | 1,945,000 |
| Net interest income | 5,611,000 | 11,461,000 | 17,599,000 | 23,629,000 |
| Noninterest income | 1,805,000 | 3,857,000 | 5,908,000 | 8,075,000 |
| Noninterest expense | 5,076,000 | 10,244,000 | 15,674,000 | 21,028,000 |
| Provision for loan losses | 387,000 | 682,000 | 987,000 | 0 |
| Pretax income | 1,952,000 | 4,386,000 | 6,969,000 | 9,622,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,952,000 | 4,386,000 | 6,969,000 | 9,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,319,000 | 69,993,000 | 70,625,000 | 73,215,000 |
| Total capital | 73,422,000 | 71,894,000 | 76,965,000 | 79,363,000 |
| Risk-weighted assets | 510,035,000 | 493,272,000 | 504,502,000 | 491,024,000 |