Call reports 2009
GUARANTY STATE BANK AND TRUST COMPANY — 2009
What GUARANTY STATE BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 134,232,000 | 133,023,000 | 139,152,000 | 145,220,000 |
| Total loans | 104,480,000 | 101,790,000 | 96,705,000 | 96,680,000 |
| Allowance for loan losses | 2,321,000 | 2,285,000 | 1,994,000 | 1,918,000 |
| Securities available for sale | 22,674,000 | 24,621,000 | 35,954,000 | 39,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,493,000 | 102,515,000 | 104,851,000 | 110,826,000 |
| Interest-bearing deposits | 91,204,000 | 89,195,000 | 91,561,000 | 93,582,000 |
| Noninterest-bearing deposits | 13,289,000 | 13,320,000 | 13,290,000 | 17,244,000 |
| Equity capital | 11,684,000 | 12,144,000 | 12,701,000 | 13,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,765,000 | 3,601,000 | 5,380,000 | 7,163,000 |
| Interest expense | 634,000 | 1,252,000 | 1,853,000 | 2,421,000 |
| Net interest income | 1,131,000 | 2,349,000 | 3,527,000 | 4,742,000 |
| Noninterest income | 169,000 | 289,000 | 397,000 | 529,000 |
| Noninterest expense | 722,000 | 1,493,000 | 2,223,000 | 2,978,000 |
| Provision for loan losses | 1,231,000 | 1,231,000 | 1,231,000 | 981,000 |
| Pretax income | -653,000 | -86,000 | 470,000 | 1,312,000 |
| Income tax | 139,000 | 170,000 | 340,000 | 516,000 |
| Net income | -792,000 | -256,000 | 130,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,510,000 | 12,046,000 | 12,433,000 | 13,164,000 |
| Total capital | 12,912,000 | 13,414,000 | 13,771,000 | 14,525,000 |
| Risk-weighted assets | 111,232,000 | 108,540,000 | 106,390,000 | 108,287,000 |
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