Call reports 2013
GUARANTY BANK AND TRUST COMPANY — 2013
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 236,725,000 | 236,704,000 | 235,433,000 | 237,472,000 |
| Total loans | 142,191,000 | 144,513,000 | 148,891,000 | 147,733,000 |
| Allowance for loan losses | 1,540,000 | 1,644,000 | 1,697,000 | 1,783,000 |
| Securities available for sale | 80,775,000 | 81,068,000 | 73,078,000 | 77,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,745,000 | 187,228,000 | 188,308,000 | 189,686,000 |
| Interest-bearing deposits | 157,288,000 | 152,365,000 | 154,679,000 | 155,497,000 |
| Noninterest-bearing deposits | 34,457,000 | 34,863,000 | 33,629,000 | 34,189,000 |
| Equity capital | 25,534,000 | 23,940,000 | 24,005,000 | 24,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,261,000 | 4,513,000 | 6,856,000 | 9,171,000 |
| Interest expense | 275,000 | 509,000 | 736,000 | 959,000 |
| Net interest income | 1,986,000 | 4,004,000 | 6,120,000 | 8,212,000 |
| Noninterest income | 819,000 | 1,486,000 | 2,145,000 | 2,762,000 |
| Noninterest expense | 2,258,000 | 4,402,000 | 6,494,000 | 8,580,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 400,000 |
| Pretax income | 422,000 | 863,000 | 1,487,000 | 2,026,000 |
| Income tax | 23,000 | 46,000 | 81,000 | 104,000 |
| Net income | 399,000 | 817,000 | 1,406,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,674,000 | 25,092,000 | 25,681,000 | 26,197,000 |
| Total capital | 26,214,000 | 26,736,000 | 27,378,000 | 27,980,000 |
| Risk-weighted assets | 150,510,000 | 152,922,000 | 155,911,000 | 153,248,000 |