Call reports 2015
GUARANTY BANK AND TRUST COMPANY — 2015
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 250,689,000 | 253,191,000 | 262,140,000 | 248,588,000 |
| Total loans | 174,379,000 | 170,592,000 | 166,354,000 | 157,648,000 |
| Allowance for loan losses | 1,990,000 | 2,026,000 | 2,046,000 | 2,006,000 |
| Securities available for sale | 59,845,000 | 71,617,000 | 79,815,000 | 75,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,640,000 | 199,182,000 | 197,862,000 | 198,985,000 |
| Interest-bearing deposits | 159,441,000 | 156,491,000 | 158,133,000 | 159,718,000 |
| Noninterest-bearing deposits | 39,199,000 | 42,691,000 | 39,729,000 | 39,267,000 |
| Equity capital | 29,243,000 | 29,150,000 | 29,827,000 | 29,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,336,000 | 4,672,000 | 7,025,000 | 9,249,000 |
| Interest expense | 224,000 | 452,000 | 687,000 | 1,135,000 |
| Net interest income | 2,112,000 | 4,220,000 | 6,338,000 | 8,114,000 |
| Noninterest income | 586,000 | 1,157,000 | 1,738,000 | 2,325,000 |
| Noninterest expense | 2,083,000 | 4,202,000 | 6,371,000 | 8,522,000 |
| Provision for loan losses | 36,000 | 72,000 | 96,000 | 96,000 |
| Pretax income | 805,000 | 1,336,000 | 1,857,000 | 2,320,000 |
| Income tax | 41,000 | 72,000 | 114,000 | 149,000 |
| Net income | 764,000 | 1,264,000 | 1,743,000 | 2,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,798,000 | 28,297,000 | 28,776,000 | 29,204,000 |
| Total capital | 29,788,000 | 30,323,000 | 30,822,000 | 31,210,000 |
| Risk-weighted assets | 181,167,000 | 182,766,000 | 181,541,000 | 176,929,000 |