Call reports 2009
GUARANTY BANK AND TRUST COMPANY — 2009
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,033,041,000 | 1,941,485,000 | 2,055,127,000 | 2,123,643,000 |
| Total loans | 1,762,278,000 | 1,656,822,000 | 1,592,766,000 | 1,529,471,000 |
| Allowance for loan losses | 37,597,000 | 43,041,000 | 49,038,000 | 51,991,000 |
| Securities available for sale | 97,632,000 | 95,942,000 | 181,054,000 | 219,615,000 |
| Securities held to maturity | 11,946,000 | 10,929,000 | 10,377,000 | 9,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,641,549,000 | 1,562,380,000 | 1,652,391,000 | 1,712,122,000 |
| Interest-bearing deposits | 1,217,288,000 | 1,208,544,000 | 1,284,128,000 | 1,345,230,000 |
| Noninterest-bearing deposits | 424,261,000 | 353,835,000 | 368,263,000 | 366,892,000 |
| Equity capital | 202,437,000 | 193,019,000 | 217,814,000 | 214,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 24,838,000 | 49,594,000 | 73,044,000 | 97,076,000 |
| Interest expense | 8,479,000 | 16,731,000 | 24,668,000 | 31,864,000 |
| Net interest income | 16,359,000 | 32,863,000 | 48,376,000 | 65,212,000 |
| Noninterest income | 2,926,000 | 4,533,000 | 5,352,000 | 4,378,000 |
| Noninterest expense | 15,094,000 | 31,335,000 | 46,844,000 | 62,628,000 |
| Provision for loan losses | 2,505,000 | 21,110,000 | 41,110,000 | 51,115,000 |
| Pretax income | 1,686,000 | -15,049,000 | -34,227,000 | -44,155,000 |
| Income tax | 451,000 | -6,053,000 | -9,043,000 | -17,341,000 |
| Net income | 1,235,000 | -8,996,000 | -25,184,000 | -26,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 187,443,000 | 178,481,000 | 203,547,000 | 203,216,000 |
| Total capital | 212,238,000 | 202,350,000 | 226,635,000 | 225,588,000 |
| Risk-weighted assets | 1,970,519,000 | 1,890,128,000 | 1,820,854,000 | 1,759,908,000 |