Call reports 2008
GUARANTY BANK AND TRUST COMPANY — 2008
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 89,728,000 | 94,144,000 | 98,341,000 | 98,800,000 |
| Total loans | 77,354,000 | 80,422,000 | 85,732,000 | 83,156,000 |
| Allowance for loan losses | 602,000 | 653,000 | 652,000 | 662,000 |
| Securities available for sale | 4,218,000 | 5,860,000 | 5,004,000 | 3,838,000 |
| Securities held to maturity | 85,000 | 40,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,236,000 | 81,613,000 | 84,358,000 | 85,853,000 |
| Interest-bearing deposits | 65,777,000 | 67,957,000 | 69,354,000 | 69,224,000 |
| Noninterest-bearing deposits | 13,459,000 | 13,656,000 | 15,004,000 | 16,629,000 |
| Equity capital | 7,761,000 | 7,891,000 | 8,162,000 | 8,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,528,000 | 3,082,000 | 4,735,000 | 6,343,000 |
| Interest expense | 534,000 | 1,022,000 | 1,501,000 | 1,956,000 |
| Net interest income | 994,000 | 2,060,000 | 3,234,000 | 4,387,000 |
| Noninterest income | 138,000 | 277,000 | 424,000 | 569,000 |
| Noninterest expense | 743,000 | 1,564,000 | 2,464,000 | 3,365,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 371,000 | 737,000 | 1,140,000 | 1,519,000 |
| Income tax | 132,000 | 263,000 | 405,000 | 473,000 |
| Net income | 239,000 | 474,000 | 735,000 | 1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,752,000 | 7,914,000 | 8,175,000 | 8,420,000 |
| Total capital | 8,354,000 | 8,567,000 | 8,827,000 | 9,082,000 |
| Risk-weighted assets | 67,866,000 | 69,207,000 | 72,834,000 | 70,616,000 |
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