Call reports 2012
GUARANTY BANK AND TRUST COMPANY — 2012
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,714,591,000 | 1,744,630,000 | 1,829,302,000 | 1,883,900,000 |
| Total loans | 1,109,897,000 | 1,110,161,000 | 1,118,968,000 | 1,158,749,000 |
| Allowance for loan losses | 30,075,000 | 29,307,000 | 28,597,000 | 25,142,000 |
| Securities available for sale | 362,412,000 | 360,520,000 | 394,113,000 | 411,863,000 |
| Securities held to maturity | 22,794,000 | 21,686,000 | 26,286,000 | 31,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,355,827,000 | 1,395,946,000 | 1,403,421,000 | 1,462,756,000 |
| Interest-bearing deposits | 870,796,000 | 832,709,000 | 880,183,000 | 890,540,000 |
| Noninterest-bearing deposits | 485,031,000 | 563,237,000 | 523,238,000 | 572,216,000 |
| Equity capital | 205,138,000 | 207,861,000 | 213,328,000 | 216,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 17,669,000 | 35,352,000 | 52,120,000 | 69,478,000 |
| Interest expense | 1,616,000 | 3,166,000 | 4,721,000 | 6,272,000 |
| Net interest income | 16,053,000 | 32,186,000 | 47,399,000 | 63,206,000 |
| Noninterest income | 2,369,000 | 4,639,000 | 7,620,000 | 7,700,000 |
| Noninterest expense | 14,148,000 | 28,277,000 | 42,159,000 | 57,082,000 |
| Provision for loan losses | 1,000,000 | 1,500,000 | 1,500,000 | -2,000,000 |
| Pretax income | 3,896,000 | 8,012,000 | 13,070,000 | 18,351,000 |
| Income tax | 0 | -1,781,000 | -138,000 | 1,576,000 |
| Net income | 3,896,000 | 7,043,000 | 10,458,000 | 14,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 197,555,000 | 201,296,000 | 203,570,000 | 207,946,000 |
| Total capital | 215,027,000 | 218,903,000 | 221,355,000 | 226,260,000 |
| Risk-weighted assets | 1,385,004,000 | 1,396,745,000 | 1,411,856,000 | 1,458,127,000 |