Call reports 2008
GUARANTY BANK & TRUST, N.A. — 2008
What GUARANTY BANK & TRUST, N.A. 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 | 624,481,000 | 642,617,000 | 671,755,000 | 706,628,000 |
| Total loans | 416,121,000 | 429,468,000 | 433,614,000 | 438,957,000 |
| Allowance for loan losses | 4,710,000 | 4,842,000 | 5,112,000 | 5,352,000 |
| Securities available for sale | 124,901,000 | 143,586,000 | 148,636,000 | 159,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 532,155,000 | 531,038,000 | 531,862,000 | 557,326,000 |
| Interest-bearing deposits | 426,242,000 | 415,561,000 | 429,406,000 | 445,598,000 |
| Noninterest-bearing deposits | 105,913,000 | 115,477,000 | 102,456,000 | 111,728,000 |
| Equity capital | 46,918,000 | 46,053,000 | 52,489,000 | 56,368,000 |
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 | 9,544,000 | 18,983,000 | 28,700,000 | 38,500,000 |
| Interest expense | 3,912,000 | 7,520,000 | 11,249,000 | 14,754,000 |
| Net interest income | 5,632,000 | 11,463,000 | 17,451,000 | 23,746,000 |
| Noninterest income | 1,720,000 | 3,609,000 | 5,503,000 | 7,381,000 |
| Noninterest expense | 4,498,000 | 9,116,000 | 13,818,000 | 18,778,000 |
| Provision for loan losses | 175,000 | 375,000 | 700,000 | 1,200,000 |
| Pretax income | 2,679,000 | 5,581,000 | 8,436,000 | 11,149,000 |
| Income tax | -1,500,000 | -1,500,000 | -1,000,000 | 0 |
| Net income | 4,179,000 | 7,081,000 | 9,436,000 | 11,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,293,000 | 46,195,000 | 51,550,000 | 53,263,000 |
| Total capital | 48,003,000 | 51,037,000 | 56,662,000 | 58,615,000 |
| Risk-weighted assets | 417,838,000 | 430,319,000 | 437,182,000 | 448,670,000 |