Call reports 2006
GUARANTY BANK AND TRUST COMPANY — 2006
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,722,328,000 | 1,645,996,000 | 1,663,120,000 | 1,640,724,000 |
| Total loans | 1,169,771,000 | 1,107,699,000 | 1,149,913,000 | 1,151,844,000 |
| Allowance for loan losses | 15,059,000 | 14,982,000 | 14,644,000 | 13,966,000 |
| Securities available for sale | 80,719,000 | 78,608,000 | 115,233,000 | 113,335,000 |
| Securities held to maturity | 4,250,000 | 5,485,000 | 8,612,000 | 7,488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,310,173,000 | 1,244,881,000 | 1,224,353,000 | 1,183,946,000 |
| Interest-bearing deposits | 1,176,988,000 | 1,111,602,000 | 1,128,556,000 | 1,174,464,000 |
| Noninterest-bearing deposits | 133,185,000 | 133,279,000 | 95,797,000 | 9,483,000 |
| Equity capital | 384,754,000 | 378,495,000 | 377,928,000 | 384,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 26,248,000 | 52,763,000 | 79,835,000 | 106,725,000 |
| Interest expense | 6,723,000 | 13,826,000 | 21,488,000 | 29,636,000 |
| Net interest income | 19,525,000 | 38,937,000 | 58,347,000 | 77,089,000 |
| Noninterest income | 1,673,000 | 3,339,000 | 4,803,000 | 5,884,000 |
| Noninterest expense | 12,767,000 | 26,773,000 | 40,360,000 | 51,497,000 |
| Provision for loan losses | 0 | 0 | -489,000 | -1,036,000 |
| Pretax income | 8,431,000 | 15,503,000 | 23,279,000 | 32,508,000 |
| Income tax | 2,960,000 | 5,392,000 | 8,005,000 | 11,353,000 |
| Net income | 5,471,000 | 10,111,000 | 15,274,000 | 21,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,548,000 | 117,942,000 | 118,859,000 | 126,407,000 |
| Total capital | 138,325,000 | 133,351,000 | 133,733,000 | 140,614,000 |
| Risk-weighted assets | 1,293,695,000 | 1,232,409,000 | 1,288,442,000 | 1,287,066,000 |