Call reports 2023
GUARANTY BANK — 2023
What GUARANTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,150,260,000 | 2,181,279,000 | 2,243,919,000 | 2,279,684,000 |
| Total loans | 1,686,287,000 | 1,700,034,000 | 1,751,073,000 | 1,762,027,000 |
| Allowance for loan losses | 21,813,000 | 20,755,000 | 21,098,000 | 20,808,000 |
| Securities available for sale | 86,082,000 | 85,177,000 | 78,548,000 | 86,587,000 |
| Securities held to maturity | 104,692,000 | 109,686,000 | 124,365,000 | 145,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,648,631,000 | 1,653,316,000 | 1,723,016,000 | 1,768,136,000 |
| Interest-bearing deposits | 900,236,000 | 836,496,000 | 1,001,160,000 | 790,751,000 |
| Noninterest-bearing deposits | 748,395,000 | 816,820,000 | 721,856,000 | 977,385,000 |
| Equity capital | 334,883,000 | 338,312,000 | 339,610,000 | 355,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 25,261,000 | 51,109,000 | 79,890,000 | 110,130,000 |
| Interest expense | 9,890,000 | 22,136,000 | 37,173,000 | 53,463,000 |
| Net interest income | 15,371,000 | 28,973,000 | 42,717,000 | 56,667,000 |
| Noninterest income | 2,387,000 | 4,840,000 | 10,477,000 | 17,833,000 |
| Noninterest expense | 11,688,000 | 23,179,000 | 35,473,000 | 48,509,000 |
| Provision for loan losses | -688,000 | -1,387,000 | -1,104,000 | -1,407,000 |
| Pretax income | 5,723,000 | 10,979,000 | 17,724,000 | 25,352,000 |
| Income tax | 337,000 | 436,000 | 380,000 | 71,000 |
| Net income | 5,386,000 | 10,543,000 | 17,344,000 | 25,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 223,668,000 | 228,770,000 | 236,071,000 | 244,506,000 |
| Total capital | 246,979,000 | 251,030,000 | 258,732,000 | 267,822,000 |
| Risk-weighted assets | 1,990,838,000 | 1,995,358,000 | 2,064,497,000 | 2,112,093,000 |