Call reports 2008
GUARANTY BANK AND TRUST COMPANY — 2008
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 473,643,000 | 483,330,000 | 490,372,000 | 491,797,000 |
| Total loans | 345,220,000 | 375,700,000 | 386,657,000 | 382,493,000 |
| Allowance for loan losses | 4,651,000 | 5,870,000 | 6,446,000 | 5,397,000 |
| Securities available for sale | 41,113,000 | 36,376,000 | 34,332,000 | 34,063,000 |
| Securities held to maturity | 31,141,000 | 30,188,000 | 30,416,000 | 29,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,143,000 | 387,432,000 | 389,675,000 | 389,014,000 |
| Interest-bearing deposits | 338,608,000 | 336,850,000 | 337,565,000 | 329,861,000 |
| Noninterest-bearing deposits | 51,535,000 | 50,582,000 | 52,110,000 | 59,153,000 |
| Equity capital | 40,310,000 | 37,309,000 | 38,177,000 | 40,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,860,000 | 15,509,000 | 23,225,000 | 30,746,000 |
| Interest expense | 3,222,000 | 6,297,000 | 9,424,000 | 12,211,000 |
| Net interest income | 4,638,000 | 9,212,000 | 13,801,000 | 18,535,000 |
| Noninterest income | 1,622,000 | 3,319,000 | 5,146,000 | 6,866,000 |
| Noninterest expense | 3,949,000 | 7,686,000 | 11,742,000 | 15,693,000 |
| Provision for loan losses | 313,000 | 1,737,000 | 2,607,000 | 3,456,000 |
| Pretax income | 1,998,000 | 3,108,000 | 4,600,000 | 6,290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,998,000 | 3,108,000 | 4,600,000 | 6,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,871,000 | 36,550,000 | 37,411,000 | 40,038,000 |
| Total capital | 41,522,000 | 41,669,000 | 42,647,000 | 45,277,000 |
| Risk-weighted assets | 385,327,000 | 408,736,000 | 417,677,000 | 443,007,000 |