Call reports 2002
GUARANTY BANK AND TRUST COMPANY — 2002
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 200,490,000 | 202,100,000 | 213,148,000 | 210,474,000 |
| Total loans | 126,132,000 | 126,379,000 | 126,286,000 | 125,621,000 |
| Allowance for loan losses | 1,735,000 | 1,883,000 | 1,511,000 | 1,371,000 |
| Securities available for sale | 61,506,000 | 62,410,000 | 72,688,000 | 70,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,484,000 | 153,823,000 | 163,529,000 | 162,370,000 |
| Interest-bearing deposits | 143,256,000 | 136,953,000 | 141,641,000 | 143,457,000 |
| Noninterest-bearing deposits | 17,228,000 | 16,870,000 | 21,888,000 | 18,913,000 |
| Equity capital | 13,648,000 | 15,027,000 | 15,886,000 | 15,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,278,000 | 6,526,000 | 9,765,000 | 12,914,000 |
| Interest expense | 1,464,000 | 2,864,000 | 4,182,000 | 5,387,000 |
| Net interest income | 1,814,000 | 3,662,000 | 5,583,000 | 7,527,000 |
| Noninterest income | 521,000 | 1,042,000 | 1,695,000 | 2,325,000 |
| Noninterest expense | 1,848,000 | 3,769,000 | 5,649,000 | 7,529,000 |
| Provision for loan losses | 68,000 | 207,000 | 237,000 | 264,000 |
| Pretax income | 479,000 | 868,000 | 1,609,000 | 2,353,000 |
| Income tax | 37,000 | 67,000 | 94,000 | 181,000 |
| Net income | 442,000 | 801,000 | 1,515,000 | 2,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,075,000 | 14,274,000 | 14,628,000 | 14,734,000 |
| Total capital | 15,764,000 | 15,975,000 | 16,139,000 | 16,107,000 |
| Risk-weighted assets | 135,096,000 | 135,937,000 | 142,282,000 | 140,141,000 |