Call reports 2007
GUARANTY BANK AND TRUST COMPANY — 2007
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 77,235,000 | 80,619,000 | 84,180,000 | 84,785,000 |
| Total loans | 60,753,000 | 66,093,000 | 68,702,000 | 72,204,000 |
| Allowance for loan losses | 594,000 | 592,000 | 602,000 | 584,000 |
| Securities available for sale | 9,295,000 | 8,987,000 | 7,783,000 | 5,417,000 |
| Securities held to maturity | 130,000 | 85,000 | 85,000 | 85,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,597,000 | 69,216,000 | 72,365,000 | 72,702,000 |
| Interest-bearing deposits | 55,057,000 | 56,173,000 | 59,249,000 | 59,796,000 |
| Noninterest-bearing deposits | 14,540,000 | 13,043,000 | 13,116,000 | 12,906,000 |
| Equity capital | 6,767,000 | 6,959,000 | 7,302,000 | 7,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,294,000 | 2,727,000 | 4,284,000 | 5,825,000 |
| Interest expense | 410,000 | 886,000 | 1,437,000 | 1,984,000 |
| Net interest income | 884,000 | 1,841,000 | 2,847,000 | 3,841,000 |
| Noninterest income | 124,000 | 249,000 | 379,000 | 510,000 |
| Noninterest expense | 633,000 | 1,278,000 | 1,938,000 | 2,716,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 375,000 | 812,000 | 1,288,000 | 1,635,000 |
| Income tax | 127,000 | 276,000 | 437,000 | 550,000 |
| Net income | 248,000 | 536,000 | 851,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,813,000 | 7,032,000 | 7,342,000 | 7,513,000 |
| Total capital | 7,407,000 | 7,624,000 | 7,944,000 | 8,097,000 |
| Risk-weighted assets | 54,253,000 | 57,612,000 | 60,311,000 | 63,257,000 |
Machine access — free, no API key
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