Call reports 2008
GUARANTY BANK AND TRUST COMPANY — 2008
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 2,337,631,000 | 2,351,845,000 | 2,050,740,000 | 2,098,387,000 |
| Total loans | 1,764,641,000 | 1,794,478,000 | 1,780,801,000 | 1,831,639,000 |
| Allowance for loan losses | 26,048,000 | 26,506,000 | 44,765,000 | 44,988,000 |
| Securities available for sale | 115,642,000 | 110,962,000 | 96,036,000 | 101,529,000 |
| Securities held to maturity | 14,106,000 | 13,772,000 | 13,556,000 | 13,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,710,659,000 | 1,708,185,000 | 1,640,098,000 | 1,702,333,000 |
| Interest-bearing deposits | 1,236,835,000 | 1,191,387,000 | 1,231,607,000 | 1,264,891,000 |
| Noninterest-bearing deposits | 473,824,000 | 516,798,000 | 408,491,000 | 437,442,000 |
| Equity capital | 456,181,000 | 458,925,000 | 191,518,000 | 199,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 33,358,000 | 63,541,000 | 93,226,000 | 121,108,000 |
| Interest expense | 10,774,000 | 19,718,000 | 28,780,000 | 38,153,000 |
| Net interest income | 22,584,000 | 43,823,000 | 64,446,000 | 82,955,000 |
| Noninterest income | 1,808,000 | 4,508,000 | 6,771,000 | 8,988,000 |
| Noninterest expense | 16,846,000 | 36,400,000 | 298,831,000 | 313,318,000 |
| Provision for loan losses | 875,000 | 1,775,000 | 32,525,000 | 33,775,000 |
| Pretax income | 6,809,000 | 10,297,000 | -260,000,000 | -255,012,000 |
| Income tax | 2,261,000 | 3,209,000 | -5,238,000 | -5,129,000 |
| Net income | 4,548,000 | 7,088,000 | -254,762,000 | -249,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 193,510,000 | 197,740,000 | 178,978,000 | 185,109,000 |
| Total capital | 217,898,000 | 223,099,000 | 203,954,000 | 210,340,000 |
| Risk-weighted assets | 1,948,955,000 | 2,027,274,000 | 1,978,043,000 | 1,998,531,000 |