Call reports 2012
GUARANTY BANK & TRUST, N.A. — 2012
What GUARANTY BANK & TRUST, N.A. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,125,807,000 | 1,119,398,000 | 1,124,370,000 | 1,160,667,000 |
| Total loans | 601,944,000 | 615,731,000 | 630,608,000 | 636,467,000 |
| Allowance for loan losses | 6,138,000 | 5,850,000 | 6,416,000 | 6,354,000 |
| Securities available for sale | 329,402,000 | 320,889,000 | 305,511,000 | 278,973,000 |
| Securities held to maturity | 86,279,000 | 79,796,000 | 72,032,000 | 63,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 922,980,000 | 902,821,000 | 916,737,000 | 957,376,000 |
| Interest-bearing deposits | 747,462,000 | 712,569,000 | 871,104,000 | 905,211,000 |
| Noninterest-bearing deposits | 175,518,000 | 190,252,000 | 45,633,000 | 52,165,000 |
| Equity capital | 103,862,000 | 106,723,000 | 111,859,000 | 112,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,420,000 | 20,516,000 | 30,466,000 | 40,216,000 |
| Interest expense | 2,309,000 | 4,295,000 | 6,051,000 | 7,633,000 |
| Net interest income | 8,111,000 | 16,221,000 | 24,415,000 | 32,583,000 |
| Noninterest income | 3,003,000 | 5,692,000 | 8,383,000 | 11,077,000 |
| Noninterest expense | 7,024,000 | 13,539,000 | 20,845,000 | 28,824,000 |
| Provision for loan losses | 402,000 | 231,000 | 939,000 | 1,064,000 |
| Pretax income | 3,974,000 | 8,677,000 | 13,785,000 | 17,045,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,974,000 | 8,677,000 | 13,785,000 | 17,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,538,000 | 98,349,000 | 103,564,000 | 106,932,000 |
| Total capital | 103,676,000 | 104,199,000 | 109,980,000 | 113,286,000 |
| Risk-weighted assets | 659,712,000 | 669,598,000 | 680,034,000 | 699,358,000 |