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Income Statement
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GUARANTY BANCSHARES INC (GNTY)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsDec-31-22Dec-05-22Dec-31-21Dec-05-21Dec-31-20Dec-31-19Dec-31-18Dec-31-17
   10-K8-K10-K8-K10-K10-K10-K10-K
    Interest income:  
        Interest income on loans  104.5 92.5 93.391.077.261.0
        Interest income on investments  16.6 9.0 8.89.710.19.5
       123.2123.2102.6102.6103.0102.688.571.8
    Interest expense:  
        Interest on deposits  9.8 5.7 11.621.616.910.6
       15.415.47.07.013.123.719.512.2
Net interest income  107.8107.895.695.690.078.968.959.6
Provision for loan losses  2.22.2-1.7-1.713.21.32.32.9
Net interest income after provision for loan losses  105.7105.797.397.376.877.666.756.8
        Deposit and loan fees  4.3 3.8 3.13.73.63.7
        Other non-interest income  19.223.520.824.620.013.227.625.1
Total non-interest income  23.523.524.624.623.017.031.228.9
Non-interest expenses  79.9 73.3 66.562.556.848.4
Pre-tax income  49.349.348.648.633.332.125.222.7
Income taxes  8.88.88.88.85.95.84.68.2
            Tax rate  17.9%17.9%18.0%18.0%17.7%18.0%18.3%36.3%
Minority interest  0.00.0      
Net income  40.440.439.839.827.426.320.614.4
            Net margin  31.3%31.3%32.7%32.7%27.5%27.8%21.0%16.9%
   
Basic EPS  $3.38$3.38$3.30$3.30$2.24$2.05$1.78$1.41
Diluted EPS  $3.34$3.34$3.26$3.26$2.24$2.04$1.77$1.40
   
Shares outstanding (basic)  12.012.012.112.112.212.811.610.2
Shares outstanding (diluted)  12.112.112.212.212.312.911.710.3
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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