Call reports 2014
GUARANTY BANK AND TRUST COMPANY — 2014
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 244,706,000 | 245,522,000 | 248,733,000 | 252,879,000 |
| Total loans | 148,123,000 | 155,405,000 | 156,030,000 | 175,573,000 |
| Allowance for loan losses | 1,846,000 | 1,882,000 | 1,945,000 | 1,958,000 |
| Securities available for sale | 81,213,000 | 78,487,000 | 81,273,000 | 67,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,997,000 | 191,311,000 | 188,884,000 | 199,688,000 |
| Interest-bearing deposits | 160,647,000 | 156,410,000 | 152,535,000 | 158,867,000 |
| Noninterest-bearing deposits | 35,350,000 | 34,901,000 | 36,349,000 | 40,821,000 |
| Equity capital | 26,625,000 | 28,329,000 | 29,562,000 | 29,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,275,000 | 4,587,000 | 6,950,000 | 9,353,000 |
| Interest expense | 222,000 | 443,000 | 667,000 | 887,000 |
| Net interest income | 2,053,000 | 4,144,000 | 6,283,000 | 8,466,000 |
| Noninterest income | 595,000 | 1,210,000 | 1,854,000 | 2,352,000 |
| Noninterest expense | 2,092,000 | 4,183,000 | 6,255,000 | 8,418,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 693,000 | 1,375,000 | 2,142,000 | 2,988,000 |
| Income tax | 38,000 | 72,000 | 110,000 | 151,000 |
| Net income | 655,000 | 1,303,000 | 2,032,000 | 2,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,852,000 | 27,500,000 | 28,229,000 | 28,033,000 |
| Total capital | 28,698,000 | 29,382,000 | 30,174,000 | 29,991,000 |
| Risk-weighted assets | 161,706,000 | 166,721,000 | 165,968,000 | 177,987,000 |