Call reports 2003
GUARANTY BANK AND TRUST COMPANY — 2003
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 232,277,000 | 229,936,000 | 230,435,000 | 243,034,000 |
| Total loans | 125,151,000 | 123,045,000 | 120,340,000 | 116,711,000 |
| Allowance for loan losses | 1,343,000 | 1,640,000 | 1,847,000 | 1,651,000 |
| Securities available for sale | 92,023,000 | 90,234,000 | 97,199,000 | 111,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,622,000 | 169,161,000 | 170,023,000 | 186,282,000 |
| Interest-bearing deposits | 148,900,000 | 146,941,000 | 149,881,000 | 165,043,000 |
| Noninterest-bearing deposits | 20,722,000 | 22,220,000 | 20,142,000 | 21,239,000 |
| Equity capital | 15,981,000 | 16,963,000 | 15,325,000 | 15,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,981,000 | 6,050,000 | 9,030,000 | 12,043,000 |
| Interest expense | 1,080,000 | 2,203,000 | 3,313,000 | 4,432,000 |
| Net interest income | 1,901,000 | 3,847,000 | 5,717,000 | 7,611,000 |
| Noninterest income | 617,000 | 1,265,000 | 1,901,000 | 2,536,000 |
| Noninterest expense | 1,903,000 | 3,826,000 | 5,742,000 | 7,643,000 |
| Provision for loan losses | 50,000 | 275,000 | 495,000 | 495,000 |
| Pretax income | 713,000 | 1,417,000 | 1,996,000 | 2,669,000 |
| Income tax | 40,000 | 89,000 | 123,000 | 158,000 |
| Net income | 673,000 | 1,328,000 | 1,873,000 | 2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,408,000 | 15,762,000 | 16,107,000 | 16,458,000 |
| Total capital | 16,751,000 | 17,403,000 | 17,853,000 | 18,109,000 |
| Risk-weighted assets | 145,699,000 | 142,302,000 | 139,580,000 | 142,446,000 |