Call reports 2016
GUARANTY BANK AND TRUST COMPANY — 2016
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 659,647,000 | 664,444,000 | 702,691,000 | 707,682,000 |
| Total loans | 447,849,000 | 464,942,000 | 490,473,000 | 479,550,000 |
| Allowance for loan losses | 6,428,000 | 6,545,000 | 6,895,000 | 6,703,000 |
| Securities available for sale | 59,255,000 | 59,333,000 | 58,935,000 | 55,653,000 |
| Securities held to maturity | 70,842,000 | 69,008,000 | 67,907,000 | 71,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 577,460,000 | 578,186,000 | 612,406,000 | 630,189,000 |
| Interest-bearing deposits | 458,012,000 | 459,123,000 | 487,360,000 | 494,988,000 |
| Noninterest-bearing deposits | 119,448,000 | 119,063,000 | 125,046,000 | 135,201,000 |
| Equity capital | 75,251,000 | 74,293,000 | 75,452,000 | 68,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,663,000 | 13,424,000 | 20,635,000 | 27,753,000 |
| Interest expense | 519,000 | 1,070,000 | 1,715,000 | 2,405,000 |
| Net interest income | 6,144,000 | 12,354,000 | 18,920,000 | 25,348,000 |
| Noninterest income | 1,843,000 | 3,938,000 | 6,104,000 | 8,248,000 |
| Noninterest expense | 5,600,000 | 11,116,000 | 16,826,000 | 22,438,000 |
| Provision for loan losses | 76,000 | 152,000 | 279,000 | 374,000 |
| Pretax income | 2,310,000 | 4,987,000 | 7,883,000 | 10,725,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,310,000 | 4,987,000 | 7,883,000 | 10,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,126,000 | 73,420,000 | 76,461,000 | 70,326,000 |
| Total capital | 81,504,000 | 79,965,000 | 83,356,000 | 77,029,000 |
| Risk-weighted assets | 509,128,000 | 540,355,000 | 554,385,000 | 574,407,000 |