Call reports 2008
GUARANTY STATE BANK AND TRUST COMPANY — 2008
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 129,530,000 | 125,172,000 | 131,883,000 | 134,253,000 |
| Total loans | 105,199,000 | 107,143,000 | 95,615,000 | 102,717,000 |
| Allowance for loan losses | 1,634,000 | 1,662,000 | 1,473,000 | 1,767,000 |
| Securities available for sale | 7,534,000 | 6,947,000 | 9,424,000 | 21,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,481,000 | 96,234,000 | 102,376,000 | 102,581,000 |
| Interest-bearing deposits | 86,736,000 | 83,491,000 | 88,528,000 | 87,392,000 |
| Noninterest-bearing deposits | 12,745,000 | 12,743,000 | 13,848,000 | 15,189,000 |
| Equity capital | 12,083,000 | 12,215,000 | 12,572,000 | 12,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,062,000 | 3,964,000 | 5,842,000 | 7,649,000 |
| Interest expense | 949,000 | 1,770,000 | 2,555,000 | 3,229,000 |
| Net interest income | 1,113,000 | 2,194,000 | 3,287,000 | 4,420,000 |
| Noninterest income | 180,000 | 299,000 | 395,000 | 504,000 |
| Noninterest expense | 722,000 | 1,474,000 | 2,195,000 | 3,198,000 |
| Provision for loan losses | -300,000 | -300,000 | -701,000 | -376,000 |
| Pretax income | 871,000 | 1,313,000 | 2,182,000 | 2,114,000 |
| Income tax | 230,000 | 400,000 | 571,000 | 494,000 |
| Net income | 641,000 | 913,000 | 1,611,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,962,000 | 12,158,000 | 12,532,000 | 12,454,000 |
| Total capital | 13,364,000 | 13,569,000 | 13,842,000 | 13,836,000 |
| Risk-weighted assets | 111,917,000 | 112,596,000 | 104,606,000 | 110,170,000 |
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