Call reports 2007
GUARANTY BANK AND TRUST COMPANY — 2007
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,649,285,000 | 1,640,753,000 | 1,630,393,000 | 1,601,601,000 |
| Total loans | 1,136,307,000 | 1,166,105,000 | 1,165,408,000 | 1,160,334,000 |
| Allowance for loan losses | 12,467,000 | 14,527,000 | 14,008,000 | 15,159,000 |
| Securities available for sale | 107,772,000 | 104,939,000 | 101,602,000 | 79,653,000 |
| Securities held to maturity | 7,464,000 | 7,084,000 | 6,576,000 | 8,287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,230,589,000 | 1,208,893,000 | 1,204,130,000 | 1,148,602,000 |
| Interest-bearing deposits | 1,220,198,000 | 868,154,000 | 868,108,000 | 768,442,000 |
| Noninterest-bearing deposits | 10,391,000 | 340,739,000 | 336,022,000 | 380,160,000 |
| Equity capital | 391,012,000 | 377,593,000 | 371,761,000 | 372,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 26,605,000 | 53,135,000 | 79,417,000 | 104,501,000 |
| Interest expense | 8,202,000 | 16,521,000 | 25,176,000 | 33,140,000 |
| Net interest income | 18,403,000 | 36,614,000 | 54,241,000 | 71,361,000 |
| Noninterest income | 925,000 | 2,001,000 | 3,177,000 | 4,164,000 |
| Noninterest expense | 11,475,000 | 29,664,000 | 41,638,000 | 52,603,000 |
| Provision for loan losses | -1,152,000 | 1,699,000 | 1,288,000 | 3,278,000 |
| Pretax income | 9,005,000 | 7,252,000 | 14,492,000 | 19,644,000 |
| Income tax | 2,989,000 | 1,987,000 | 4,287,000 | 5,987,000 |
| Net income | 6,016,000 | 5,265,000 | 10,205,000 | 13,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,836,000 | 122,518,000 | 118,904,000 | 120,828,000 |
| Total capital | 146,567,000 | 137,304,000 | 133,190,000 | 136,255,000 |
| Risk-weighted assets | 1,305,557,000 | 1,330,023,000 | 1,315,217,000 | 1,291,836,000 |