Call reports 2007
GUARANTY BANK & TRUST, N.A. — 2007
What GUARANTY BANK & TRUST, N.A. 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 | 589,985,000 | 579,276,000 | 579,248,000 | 587,649,000 |
| Total loans | 394,231,000 | 398,565,000 | 398,404,000 | 412,370,000 |
| Allowance for loan losses | 4,561,000 | 4,467,000 | 4,380,000 | 4,595,000 |
| Securities available for sale | 107,522,000 | 101,471,000 | 105,294,000 | 101,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,328,000 | 514,084,000 | 518,136,000 | 528,260,000 |
| Interest-bearing deposits | 413,376,000 | 408,772,000 | 410,538,000 | 419,300,000 |
| Noninterest-bearing deposits | 109,952,000 | 105,312,000 | 107,598,000 | 108,960,000 |
| Equity capital | 41,137,000 | 41,798,000 | 42,063,000 | 42,879,000 |
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 | 9,182,000 | 18,672,000 | 28,199,000 | 37,744,000 |
| Interest expense | 4,271,000 | 8,550,000 | 12,741,000 | 16,775,000 |
| Net interest income | 4,911,000 | 10,122,000 | 15,458,000 | 20,969,000 |
| Noninterest income | 1,582,000 | 3,277,000 | 4,940,000 | 6,655,000 |
| Noninterest expense | 4,290,000 | 8,701,000 | 13,051,000 | 17,680,000 |
| Provision for loan losses | 0 | 67,000 | 160,000 | 486,000 |
| Pretax income | 2,185,000 | 4,586,000 | 7,142,000 | 9,422,000 |
| Income tax | 640,000 | 1,310,000 | 2,080,000 | 2,750,000 |
| Net income | 1,545,000 | 3,276,000 | 5,062,000 | 6,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,754,000 | 41,487,000 | 40,770,000 | 40,614,000 |
| Total capital | 44,315,000 | 45,954,000 | 45,150,000 | 45,209,000 |
| Risk-weighted assets | 385,774,000 | 387,320,000 | 386,563,000 | 410,470,000 |