Call reports 2006
GUARANTY BANK & TRUST, N.A. — 2006
What GUARANTY BANK & TRUST, N.A. 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 | 575,097,000 | 563,954,000 | 555,157,000 | 571,560,000 |
| Total loans | 387,617,000 | 385,981,000 | 382,522,000 | 387,289,000 |
| Allowance for loan losses | 4,352,000 | 4,349,000 | 4,413,000 | 4,538,000 |
| Securities available for sale | 106,962,000 | 108,943,000 | 108,625,000 | 99,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,250,000 | 476,884,000 | 474,191,000 | 502,982,000 |
| Interest-bearing deposits | 391,178,000 | 380,632,000 | 378,048,000 | 394,919,000 |
| Noninterest-bearing deposits | 99,072,000 | 96,252,000 | 96,143,000 | 108,063,000 |
| Equity capital | 40,888,000 | 41,190,000 | 42,546,000 | 40,185,000 |
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 | 8,458,000 | 17,120,000 | 25,980,000 | 34,915,000 |
| Interest expense | 3,662,000 | 7,345,000 | 11,254,000 | 15,362,000 |
| Net interest income | 4,796,000 | 9,775,000 | 14,726,000 | 19,553,000 |
| Noninterest income | 1,418,000 | 2,959,000 | 4,463,000 | 5,953,000 |
| Noninterest expense | 4,361,000 | 8,773,000 | 12,816,000 | 17,020,000 |
| Provision for loan losses | 98,000 | 153,000 | 178,000 | 262,000 |
| Pretax income | 1,755,000 | 3,808,000 | 6,195,000 | 8,207,000 |
| Income tax | 505,000 | 1,080,000 | 1,785,000 | 2,360,000 |
| Net income | 1,250,000 | 2,728,000 | 4,410,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,200,000 | 41,528,000 | 41,709,000 | 38,946,000 |
| Total capital | 44,552,000 | 45,877,000 | 46,122,000 | 43,484,000 |
| Risk-weighted assets | 380,371,000 | 373,727,000 | 370,789,000 | 378,412,000 |