Call reports 2006
GUARANTY STATE BANK AND TRUST COMPANY — 2006
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 117,419,000 | 119,801,000 | 115,194,000 | 123,808,000 |
| Total loans | 95,624,000 | 97,847,000 | 96,120,000 | 104,378,000 |
| Allowance for loan losses | 927,000 | 1,006,000 | 1,056,000 | 1,101,000 |
| Securities available for sale | 11,356,000 | 11,242,000 | 10,686,000 | 10,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,186,000 | 78,414,000 | 80,494,000 | 83,578,000 |
| Interest-bearing deposits | 68,363,000 | 67,541,000 | 70,904,000 | 72,027,000 |
| Noninterest-bearing deposits | 9,823,000 | 10,873,000 | 9,590,000 | 11,551,000 |
| Equity capital | 10,710,000 | 10,877,000 | 11,175,000 | 11,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,898,000 | 3,877,000 | 5,973,000 | 8,128,000 |
| Interest expense | 793,000 | 1,659,000 | 2,590,000 | 3,581,000 |
| Net interest income | 1,105,000 | 2,218,000 | 3,383,000 | 4,547,000 |
| Noninterest income | 134,000 | 269,000 | 368,000 | 465,000 |
| Noninterest expense | 747,000 | 1,496,000 | 2,180,000 | 2,980,000 |
| Provision for loan losses | 0 | 75,000 | 125,000 | 170,000 |
| Pretax income | 492,000 | 916,000 | 1,446,000 | 1,629,000 |
| Income tax | 181,000 | 321,000 | 461,000 | 586,000 |
| Net income | 311,000 | 595,000 | 985,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,813,000 | 11,048,000 | 11,238,000 | 11,297,000 |
| Total capital | 11,740,000 | 12,054,000 | 12,294,000 | 12,398,000 |
| Risk-weighted assets | 102,210,000 | 104,640,000 | 101,751,000 | 110,230,000 |
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