Call reports 2009
GUARANTY BANK AND TRUST COMPANY — 2009
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 105,613,000 | 107,950,000 | 111,069,000 | 115,456,000 |
| Total loans | 84,275,000 | 91,599,000 | 96,748,000 | 96,077,000 |
| Allowance for loan losses | 680,000 | 709,000 | 751,000 | 751,000 |
| Securities available for sale | 4,318,000 | 3,992,000 | 5,711,000 | 6,342,000 |
| Securities held to maturity | 40,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,247,000 | 90,028,000 | 94,237,000 | 97,702,000 |
| Interest-bearing deposits | 76,317,000 | 74,858,000 | 79,081,000 | 83,316,000 |
| Noninterest-bearing deposits | 15,930,000 | 15,170,000 | 15,156,000 | 14,386,000 |
| Equity capital | 8,679,000 | 8,901,000 | 9,235,000 | 10,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 3,246,000 | 5,011,000 | 6,819,000 |
| Interest expense | 440,000 | 838,000 | 1,238,000 | 1,674,000 |
| Net interest income | 1,118,000 | 2,408,000 | 3,773,000 | 5,145,000 |
| Noninterest income | 154,000 | 313,000 | 476,000 | 641,000 |
| Noninterest expense | 897,000 | 1,828,000 | 2,775,000 | 3,734,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 339,000 | 821,000 | 1,366,000 | 1,908,000 |
| Income tax | 127,000 | 303,000 | 501,000 | 649,000 |
| Net income | 212,000 | 518,000 | 865,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,631,000 | 8,861,000 | 9,209,000 | 10,539,000 |
| Total capital | 9,311,000 | 9,570,000 | 9,960,000 | 11,290,000 |
| Risk-weighted assets | 74,351,000 | 77,812,000 | 80,179,000 | 81,572,000 |
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