Call reports 2005
GUARANTY BANK AND TRUST COMPANY — 2005
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 273,347,000 | 287,203,000 | 294,929,000 | 285,738,000 |
| Total loans | 149,563,000 | 177,437,000 | 185,411,000 | 181,526,000 |
| Allowance for loan losses | 3,947,000 | 3,996,000 | 3,913,000 | 3,832,000 |
| Securities available for sale | 66,678,000 | 59,556,000 | 55,272,000 | 53,688,000 |
| Securities held to maturity | 38,549,000 | 28,435,000 | 27,270,000 | 26,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,069,000 | 225,700,000 | 221,436,000 | 231,660,000 |
| Interest-bearing deposits | 190,248,000 | 184,371,000 | 176,204,000 | 181,079,000 |
| Noninterest-bearing deposits | 39,821,000 | 41,329,000 | 45,232,000 | 50,581,000 |
| Equity capital | 30,616,000 | 31,017,000 | 31,863,000 | 32,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,637,000 | 7,714,000 | 12,063,000 | 16,506,000 |
| Interest expense | 897,000 | 1,972,000 | 3,311,000 | 4,834,000 |
| Net interest income | 2,740,000 | 5,742,000 | 8,752,000 | 11,672,000 |
| Noninterest income | 761,000 | 1,595,000 | 2,562,000 | 3,372,000 |
| Noninterest expense | 2,084,000 | 4,410,000 | 6,812,000 | 9,345,000 |
| Provision for loan losses | 114,000 | 208,000 | 220,000 | 233,000 |
| Pretax income | 1,317,000 | 2,711,000 | 4,277,000 | 5,461,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,317,000 | 2,711,000 | 4,277,000 | 5,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,910,000 | 31,148,000 | 32,128,000 | 33,321,000 |
| Total capital | 33,350,000 | 33,811,000 | 34,768,000 | 35,964,000 |
| Risk-weighted assets | 193,698,000 | 211,638,000 | 216,798,000 | 210,213,000 |