Call reports 2006
GUARANTY BANK AND TRUST COMPANY — 2006
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 293,452,000 | 368,515,000 | 376,448,000 | 380,161,000 |
| Total loans | 185,787,000 | 255,923,000 | 268,057,000 | 266,817,000 |
| Allowance for loan losses | 3,852,000 | 3,763,000 | 3,815,000 | 4,349,000 |
| Securities available for sale | 53,469,000 | 51,106,000 | 46,539,000 | 46,016,000 |
| Securities held to maturity | 26,072,000 | 26,160,000 | 24,295,000 | 27,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,205,000 | 275,438,000 | 294,099,000 | 314,077,000 |
| Interest-bearing deposits | 194,476,000 | 230,914,000 | 244,883,000 | 259,708,000 |
| Noninterest-bearing deposits | 48,729,000 | 44,524,000 | 49,216,000 | 54,369,000 |
| Equity capital | 33,606,000 | 33,469,000 | 34,365,000 | 35,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,549,000 | 9,662,000 | 16,170,000 | 23,036,000 |
| Interest expense | 1,541,000 | 3,471,000 | 6,465,000 | 9,504,000 |
| Net interest income | 3,008,000 | 6,191,000 | 9,705,000 | 13,532,000 |
| Noninterest income | 853,000 | 1,868,000 | 2,926,000 | 4,078,000 |
| Noninterest expense | 2,531,000 | 5,344,000 | 8,571,000 | 12,324,000 |
| Provision for loan losses | 9,000 | 18,000 | 102,000 | 240,000 |
| Pretax income | 1,321,000 | 2,697,000 | 3,958,000 | 5,047,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,321,000 | 2,697,000 | 3,958,000 | 5,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,048,000 | 29,346,000 | 29,998,000 | 31,151,000 |
| Total capital | 36,694,000 | 32,847,000 | 33,616,000 | 34,807,000 |
| Risk-weighted assets | 210,463,000 | 279,843,000 | 289,234,000 | 291,796,000 |