Call reports 2005
GUARANTY BANK AND TRUST COMPANY — 2005
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,278,708,000 | 1,615,713,000 | 1,669,197,000 | 1,713,541,000 |
| Total loans | 829,413,000 | 1,086,332,000 | 1,132,548,000 | 1,217,713,000 |
| Allowance for loan losses | 13,492,000 | 16,863,000 | 16,716,000 | 15,862,000 |
| Securities available for sale | 82,977,000 | 98,256,000 | 90,356,000 | 84,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 4,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 966,032,000 | 1,105,091,000 | 1,209,503,000 | 1,249,499,000 |
| Interest-bearing deposits | 822,729,000 | 925,797,000 | 1,000,968,000 | 1,055,257,000 |
| Noninterest-bearing deposits | 143,303,000 | 179,293,000 | 208,535,000 | 194,242,000 |
| Equity capital | 299,639,000 | 366,298,000 | 370,747,000 | 379,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 15,421,000 | 40,637,000 | 63,454,000 | 88,716,000 |
| Interest expense | 1,974,000 | 5,914,000 | 10,691,000 | 16,681,000 |
| Net interest income | 13,447,000 | 34,723,000 | 52,763,000 | 72,035,000 |
| Noninterest income | 1,419,000 | 3,160,000 | 4,887,000 | 6,367,000 |
| Noninterest expense | 14,482,000 | 31,086,000 | 44,289,000 | 58,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 408,000 | 6,811,000 | 13,375,000 | 19,881,000 |
| Income tax | 43,000 | 2,269,000 | 4,563,000 | 6,744,000 |
| Net income | 365,000 | 4,542,000 | 8,812,000 | 13,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,016,000 | 113,890,000 | 120,912,000 | 115,309,000 |
| Total capital | 97,909,000 | 129,162,000 | 136,531,000 | 131,670,000 |
| Risk-weighted assets | 949,838,000 | 1,220,169,000 | 1,248,393,000 | 1,308,690,000 |