Call reports 2010
GUARANTY BANK AND TRUST COMPANY — 2010
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 2,026,507,000 | 1,980,174,000 | 1,929,530,000 | 1,867,535,000 |
| Total loans | 1,440,372,000 | 1,375,359,000 | 1,289,492,000 | 1,218,780,000 |
| Allowance for loan losses | 52,015,000 | 46,866,000 | 41,898,000 | 47,069,000 |
| Securities available for sale | 217,971,000 | 279,696,000 | 369,037,000 | 388,011,000 |
| Securities held to maturity | 15,760,000 | 13,897,000 | 13,346,000 | 11,927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,620,977,000 | 1,561,617,000 | 1,529,775,000 | 1,480,915,000 |
| Interest-bearing deposits | 1,257,388,000 | 1,221,102,000 | 1,169,055,000 | 1,104,709,000 |
| Noninterest-bearing deposits | 363,589,000 | 340,515,000 | 360,720,000 | 376,206,000 |
| Equity capital | 213,962,000 | 213,460,000 | 210,891,000 | 186,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 23,301,000 | 45,336,000 | 67,238,000 | 87,859,000 |
| Interest expense | 6,076,000 | 11,420,000 | 16,489,000 | 21,082,000 |
| Net interest income | 17,225,000 | 33,916,000 | 50,749,000 | 66,777,000 |
| Noninterest income | -331,000 | 376,000 | -4,441,000 | -1,971,000 |
| Noninterest expense | 15,022,000 | 30,756,000 | 45,745,000 | 61,730,000 |
| Provision for loan losses | 4,000,000 | 12,400,000 | 14,900,000 | 34,400,000 |
| Pretax income | -2,114,000 | -8,849,000 | -14,240,000 | -34,511,000 |
| Income tax | -976,000 | -3,679,000 | -5,971,000 | -5,971,000 |
| Net income | -1,138,000 | -5,170,000 | -8,269,000 | -28,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 203,195,000 | 201,313,000 | 199,175,000 | 179,901,000 |
| Total capital | 224,532,000 | 221,660,000 | 218,517,000 | 197,839,000 |
| Risk-weighted assets | 1,676,086,000 | 1,601,035,000 | 1,524,593,000 | 1,405,715,000 |