Call reports 2007
GUARANTY STATE BANK AND TRUST COMPANY — 2007
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 129,585,000 | 123,797,000 | 126,825,000 | 127,644,000 |
| Total loans | 107,700,000 | 105,266,000 | 98,154,000 | 104,614,000 |
| Allowance for loan losses | 1,131,000 | 1,733,000 | 1,932,000 | 1,932,000 |
| Securities available for sale | 9,989,000 | 9,938,000 | 9,894,000 | 8,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,863,000 | 91,476,000 | 97,713,000 | 98,152,000 |
| Interest-bearing deposits | 79,120,000 | 79,490,000 | 86,112,000 | 77,039,000 |
| Noninterest-bearing deposits | 10,743,000 | 11,986,000 | 11,601,000 | 21,113,000 |
| Equity capital | 11,517,000 | 10,910,000 | 11,191,000 | 11,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,230,000 | 4,464,000 | 6,691,000 | 8,881,000 |
| Interest expense | 1,035,000 | 2,135,000 | 3,248,000 | 4,288,000 |
| Net interest income | 1,195,000 | 2,329,000 | 3,443,000 | 4,593,000 |
| Noninterest income | 178,000 | 289,000 | 391,000 | 510,000 |
| Noninterest expense | 739,000 | 1,367,000 | 2,032,000 | 2,719,000 |
| Provision for loan losses | 30,000 | 1,132,000 | 1,331,000 | 1,331,000 |
| Pretax income | 604,000 | 119,000 | 471,000 | 1,054,000 |
| Income tax | 157,000 | 247,000 | 395,000 | 594,000 |
| Net income | 447,000 | -128,000 | 76,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,554,000 | 10,978,000 | 11,190,000 | 11,568,000 |
| Total capital | 12,685,000 | 12,368,000 | 12,519,000 | 12,960,000 |
| Risk-weighted assets | 113,813,000 | 110,831,000 | 105,682,000 | 110,842,000 |
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