Call reports 2005
GUARANTY BANK & TRUST, N.A. — 2005
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 551,894,000 | 563,804,000 | 564,526,000 | 568,148,000 |
| Total loans | 382,472,000 | 389,297,000 | 387,794,000 | 385,802,000 |
| Allowance for loan losses | 4,418,000 | 4,423,000 | 4,362,000 | 4,265,000 |
| Securities available for sale | 107,715,000 | 115,489,000 | 112,562,000 | 109,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,590,000 | 449,098,000 | 449,789,000 | 468,696,000 |
| Interest-bearing deposits | 357,431,000 | 358,378,000 | 353,922,000 | 372,172,000 |
| Noninterest-bearing deposits | 92,159,000 | 90,720,000 | 95,867,000 | 96,524,000 |
| Equity capital | 42,825,000 | 44,660,000 | 44,215,000 | 42,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,142,000 | 14,676,000 | 22,545,000 | 30,721,000 |
| Interest expense | 2,393,000 | 5,057,000 | 8,062,000 | 11,411,000 |
| Net interest income | 4,749,000 | 9,619,000 | 14,483,000 | 19,310,000 |
| Noninterest income | 1,391,000 | 2,795,000 | 4,237,000 | 5,660,000 |
| Noninterest expense | 4,137,000 | 8,344,000 | 12,569,000 | 16,986,000 |
| Provision for loan losses | 200,000 | 260,000 | 285,000 | 310,000 |
| Pretax income | 1,803,000 | 3,810,000 | 5,866,000 | 7,674,000 |
| Income tax | 500,000 | 1,097,000 | 1,707,000 | 2,222,000 |
| Net income | 1,303,000 | 2,713,000 | 4,159,000 | 5,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,347,000 | 42,756,000 | 42,702,000 | 41,845,000 |
| Total capital | 45,765,000 | 47,179,000 | 47,064,000 | 46,110,000 |
| Risk-weighted assets | 372,981,000 | 381,343,000 | 382,617,000 | 378,687,000 |