Call reports 2001
GUARANTY BANK AND TRUST COMPANY — 2001
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 186,358,000 | 190,835,000 | 195,609,000 | 205,487,000 |
| Total loans | 127,110,000 | 129,945,000 | 128,937,000 | 131,443,000 |
| Allowance for loan losses | 1,904,000 | 1,923,000 | 1,637,000 | 1,649,000 |
| Securities available for sale | 40,020,000 | 42,376,000 | 45,630,000 | 53,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,477,000 | 154,677,000 | 159,307,000 | 160,491,000 |
| Interest-bearing deposits | 132,965,000 | 137,700,000 | 142,211,000 | 139,793,000 |
| Noninterest-bearing deposits | 16,512,000 | 16,977,000 | 17,096,000 | 20,698,000 |
| Equity capital | 14,361,000 | 14,615,000 | 15,690,000 | 14,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,300,000 | 6,627,000 | 9,964,000 | 13,375,000 |
| Interest expense | 1,749,000 | 3,481,000 | 5,197,000 | 6,810,000 |
| Net interest income | 1,551,000 | 3,146,000 | 4,767,000 | 6,565,000 |
| Noninterest income | 460,000 | 930,000 | 1,452,000 | 2,001,000 |
| Noninterest expense | 1,624,000 | 3,300,000 | 5,088,000 | 6,979,000 |
| Provision for loan losses | -8,000 | -8,000 | -8,000 | 15,000 |
| Pretax income | 397,000 | 800,000 | 1,180,000 | 1,637,000 |
| Income tax | 25,000 | 48,000 | 74,000 | 89,000 |
| Net income | 372,000 | 752,000 | 1,106,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,372,000 | 14,751,000 | 15,105,000 | 14,948,000 |
| Total capital | 16,083,000 | 16,506,000 | 16,742,000 | 16,597,000 |
| Risk-weighted assets | 136,681,000 | 140,240,000 | 138,723,000 | 141,360,000 |