Call reports 2010
GUARANTY BANK AND TRUST COMPANY — 2010
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 124,661,000 | 120,595,000 | 122,162,000 | 122,574,000 |
| Total loans | 97,793,000 | 99,534,000 | 100,899,000 | 98,099,000 |
| Allowance for loan losses | 859,000 | 894,000 | 905,000 | 833,000 |
| Securities available for sale | 6,046,000 | 5,873,000 | 4,344,000 | 12,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,426,000 | 104,951,000 | 106,606,000 | 107,130,000 |
| Interest-bearing deposits | 90,270,000 | 89,254,000 | 91,296,000 | 89,906,000 |
| Noninterest-bearing deposits | 16,156,000 | 15,697,000 | 15,310,000 | 17,224,000 |
| Equity capital | 10,850,000 | 11,134,000 | 11,488,000 | 11,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,717,000 | 3,495,000 | 5,348,000 | 7,112,000 |
| Interest expense | 436,000 | 866,000 | 1,253,000 | 1,618,000 |
| Net interest income | 1,281,000 | 2,629,000 | 4,095,000 | 5,494,000 |
| Noninterest income | 167,000 | 335,000 | 502,000 | 651,000 |
| Noninterest expense | 925,000 | 1,887,000 | 2,905,000 | 3,862,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 238,000 |
| Pretax income | 478,000 | 987,000 | 1,557,000 | 2,045,000 |
| Income tax | 178,000 | 366,000 | 575,000 | 661,000 |
| Net income | 300,000 | 621,000 | 982,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,831,000 | 11,070,000 | 11,419,000 | 11,758,000 |
| Total capital | 11,690,000 | 11,964,000 | 12,324,000 | 12,591,000 |
| Risk-weighted assets | 80,422,000 | 80,656,000 | 82,612,000 | 83,192,000 |
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