Call reports 2009
GUARANTY BANK & TRUST, N.A. — 2009
What GUARANTY BANK & TRUST, N.A. 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 | 758,643,000 | 770,636,000 | 818,010,000 | 886,344,000 |
| Total loans | 458,635,000 | 477,974,000 | 496,847,000 | 509,348,000 |
| Allowance for loan losses | 5,409,000 | 5,521,000 | 5,752,000 | 6,188,000 |
| Securities available for sale | 184,025,000 | 200,063,000 | 236,197,000 | 229,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 35,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,727,000 | 614,383,000 | 662,490,000 | 723,381,000 |
| Interest-bearing deposits | 483,597,000 | 497,435,000 | 544,692,000 | 601,218,000 |
| Noninterest-bearing deposits | 114,130,000 | 116,948,000 | 117,798,000 | 122,163,000 |
| Equity capital | 58,686,000 | 60,513,000 | 65,617,000 | 68,653,000 |
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 | 9,799,000 | 19,844,000 | 30,322,000 | 41,222,000 |
| Interest expense | 3,319,000 | 6,691,000 | 10,100,000 | 13,546,000 |
| Net interest income | 6,480,000 | 13,153,000 | 20,222,000 | 27,676,000 |
| Noninterest income | 1,716,000 | 3,685,000 | 5,597,000 | 6,648,000 |
| Noninterest expense | 5,085,000 | 10,530,000 | 16,045,000 | 22,277,000 |
| Provision for loan losses | 100,000 | 410,000 | 810,000 | 1,310,000 |
| Pretax income | 3,829,000 | 6,937,000 | 10,252,000 | 13,143,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,829,000 | 6,937,000 | 10,252,000 | 13,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,592,000 | 57,700,000 | 61,015,000 | 63,907,000 |
| Total capital | 61,001,000 | 63,221,000 | 66,767,000 | 70,095,000 |
| Risk-weighted assets | 479,356,000 | 494,481,000 | 522,548,000 | 561,947,000 |