Call reports 2004
GUARANTY BANK AND TRUST COMPANY — 2004
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 247,320,000 | 241,106,000 | 255,476,000 | 255,307,000 |
| Total loans | 116,115,000 | 118,036,000 | 123,417,000 | 121,771,000 |
| Allowance for loan losses | 1,661,000 | 1,631,000 | 1,592,000 | 1,507,000 |
| Securities available for sale | 117,323,000 | 109,116,000 | 116,940,000 | 118,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,923,000 | 186,121,000 | 187,031,000 | 193,136,000 |
| Interest-bearing deposits | 163,025,000 | 166,884,000 | 163,299,000 | 168,997,000 |
| Noninterest-bearing deposits | 20,898,000 | 19,237,000 | 23,732,000 | 24,139,000 |
| Equity capital | 17,512,000 | 13,775,000 | 17,689,000 | 17,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,044,000 | 6,017,000 | 9,087,000 | 12,196,000 |
| Interest expense | 1,080,000 | 2,116,000 | 3,177,000 | 4,247,000 |
| Net interest income | 1,964,000 | 3,901,000 | 5,910,000 | 7,949,000 |
| Noninterest income | 594,000 | 1,180,000 | 1,798,000 | 2,410,000 |
| Noninterest expense | 1,896,000 | 3,791,000 | 5,694,000 | 7,705,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 759,000 | 1,450,000 | 2,267,000 | 3,061,000 |
| Income tax | 36,000 | 69,000 | 109,000 | 147,000 |
| Net income | 723,000 | 1,381,000 | 2,158,000 | 2,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,381,000 | 17,346,000 | 17,924,000 | 18,230,000 |
| Total capital | 18,041,000 | 18,977,000 | 19,517,000 | 19,737,000 |
| Risk-weighted assets | 145,258,000 | 146,993,000 | 154,365,000 | 154,653,000 |