Call reports 2012
GUARANTY BANK AND TRUST COMPANY — 2012
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 138,204,000 | 136,768,000 | 132,672,000 | 130,876,000 |
| Total loans | 101,660,000 | 104,083,000 | 101,316,000 | 94,800,000 |
| Allowance for loan losses | 1,055,000 | 1,168,000 | 981,000 | 990,000 |
| Securities available for sale | 18,599,000 | 17,055,000 | 14,392,000 | 13,369,000 |
| Securities held to maturity | 3,500,000 | 2,500,000 | 3,000,000 | 5,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,958,000 | 118,488,000 | 115,834,000 | 114,067,000 |
| Interest-bearing deposits | 98,777,000 | 95,692,000 | 93,049,000 | 89,797,000 |
| Noninterest-bearing deposits | 22,181,000 | 22,796,000 | 22,785,000 | 24,270,000 |
| Equity capital | 13,765,000 | 14,088,000 | 14,582,000 | 14,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,802,000 | 3,612,000 | 5,449,000 | 7,149,000 |
| Interest expense | 276,000 | 539,000 | 775,000 | 968,000 |
| Net interest income | 1,526,000 | 3,073,000 | 4,674,000 | 6,181,000 |
| Noninterest income | 114,000 | 269,000 | 426,000 | 552,000 |
| Noninterest expense | 973,000 | 1,951,000 | 2,972,000 | 3,920,000 |
| Provision for loan losses | 66,000 | 178,000 | 215,000 | 252,000 |
| Pretax income | 601,000 | 1,213,000 | 1,913,000 | 2,561,000 |
| Income tax | 226,000 | 473,000 | 673,000 | 899,000 |
| Net income | 375,000 | 740,000 | 1,240,000 | 1,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,570,000 | 13,832,000 | 14,296,000 | 14,633,000 |
| Total capital | 14,625,000 | 14,940,000 | 15,277,000 | 15,623,000 |
| Risk-weighted assets | 88,496,000 | 88,570,000 | 85,364,000 | 80,953,000 |
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