Call reports 2007
GUARANTY BANK AND TRUST COMPANY — 2007
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 401,975,000 | 434,649,000 | 443,796,000 | 439,406,000 |
| Total loans | 277,614,000 | 321,081,000 | 328,743,000 | 327,446,000 |
| Allowance for loan losses | 4,443,000 | 4,557,000 | 4,620,000 | 4,418,000 |
| Securities available for sale | 48,685,000 | 46,429,000 | 45,464,000 | 44,830,000 |
| Securities held to maturity | 28,055,000 | 28,573,000 | 27,847,000 | 28,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,629,000 | 331,479,000 | 344,503,000 | 342,938,000 |
| Interest-bearing deposits | 294,520,000 | 285,721,000 | 291,349,000 | 295,195,000 |
| Noninterest-bearing deposits | 48,109,000 | 45,757,000 | 53,154,000 | 47,742,000 |
| Equity capital | 36,528,000 | 36,951,000 | 38,394,000 | 40,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,942,000 | 14,559,000 | 22,744,000 | 30,831,000 |
| Interest expense | 3,138,000 | 6,614,000 | 10,409,000 | 13,883,000 |
| Net interest income | 3,804,000 | 7,945,000 | 12,335,000 | 16,948,000 |
| Noninterest income | 1,232,000 | 2,771,000 | 4,608,000 | 6,374,000 |
| Noninterest expense | 3,635,000 | 7,503,000 | 11,115,000 | 15,271,000 |
| Provision for loan losses | 115,000 | 233,000 | 877,000 | 1,407,000 |
| Pretax income | 1,286,000 | 2,980,000 | 4,951,000 | 6,644,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,286,000 | 2,980,000 | 4,951,000 | 6,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,960,000 | 32,720,000 | 34,287,000 | 36,116,000 |
| Total capital | 35,827,000 | 37,155,000 | 38,820,000 | 40,534,000 |
| Risk-weighted assets | 308,800,000 | 354,690,000 | 362,530,000 | 360,052,000 |