Call reports 2024
GUARANTY BANK — 2024
What GUARANTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,329,533,000 | 2,373,896,000 | 2,358,588,000 | 2,340,232,000 |
| Total loans | 1,809,101,000 | 1,847,658,000 | 1,832,331,000 | 1,814,622,000 |
| Allowance for loan losses | 20,856,000 | 20,952,000 | 20,324,000 | 22,632,000 |
| Securities available for sale | 85,447,000 | 82,829,000 | 84,672,000 | 81,001,000 |
| Securities held to maturity | 150,328,000 | 153,962,000 | 162,381,000 | 165,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,744,144,000 | 1,791,735,000 | 1,779,295,000 | 1,824,401,000 |
| Interest-bearing deposits | 1,460,580,000 | 1,516,497,000 | 1,514,239,000 | 1,560,263,000 |
| Noninterest-bearing deposits | 283,564,000 | 275,238,000 | 265,056,000 | 264,138,000 |
| Equity capital | 359,296,000 | 367,634,000 | 378,675,000 | 381,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 30,543,000 | 62,508,000 | 95,325,000 | 126,978,000 |
| Interest expense | 17,029,000 | 35,132,000 | 53,361,000 | 70,143,000 |
| Net interest income | 13,514,000 | 27,376,000 | 41,964,000 | 56,835,000 |
| Noninterest income | 3,097,000 | 9,177,000 | 14,524,000 | 18,876,000 |
| Noninterest expense | 11,916,000 | 23,212,000 | 35,659,000 | 48,174,000 |
| Provision for loan losses | 476,000 | 476,000 | 276,000 | 2,586,000 |
| Pretax income | 4,903,000 | 13,356,000 | 21,407,000 | 26,109,000 |
| Income tax | -103,000 | 84,000 | 604,000 | -30,000 |
| Net income | 5,006,000 | 13,272,000 | 20,803,000 | 26,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 249,998,000 | 258,749,000 | 266,765,000 | 272,621,000 |
| Total capital | 273,124,000 | 282,164,000 | 289,189,000 | 297,047,000 |
| Risk-weighted assets | 2,082,802,000 | 2,128,643,000 | 2,098,571,000 | 2,083,685,000 |