Call reports 2009
GUARANTY BANK AND TRUST COMPANY — 2009
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 505,726,000 | 501,877,000 | 524,158,000 | 494,615,000 |
| Total loans | 380,376,000 | 399,240,000 | 402,658,000 | 382,438,000 |
| Allowance for loan losses | 5,831,000 | 5,556,000 | 5,544,000 | 6,156,000 |
| Securities available for sale | 37,342,000 | 29,869,000 | 28,020,000 | 27,480,000 |
| Securities held to maturity | 30,520,000 | 34,869,000 | 34,690,000 | 33,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,048,000 | 415,284,000 | 426,310,000 | 420,049,000 |
| Interest-bearing deposits | 374,339,000 | 362,462,000 | 369,948,000 | 358,675,000 |
| Noninterest-bearing deposits | 57,709,000 | 52,822,000 | 56,362,000 | 61,374,000 |
| Equity capital | 40,536,000 | 39,778,000 | 50,476,000 | 49,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,893,000 | 13,823,000 | 21,072,000 | 27,938,000 |
| Interest expense | 2,469,000 | 4,730,000 | 6,859,000 | 8,758,000 |
| Net interest income | 4,424,000 | 9,093,000 | 14,213,000 | 19,180,000 |
| Noninterest income | 1,633,000 | 3,331,000 | 5,117,000 | 6,765,000 |
| Noninterest expense | 4,089,000 | 8,326,000 | 12,324,000 | 16,650,000 |
| Provision for loan losses | 520,000 | 1,426,000 | 2,846,000 | 4,969,000 |
| Pretax income | 1,448,000 | 2,502,000 | 3,793,000 | 3,204,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,448,000 | 2,502,000 | 3,793,000 | 3,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,857,000 | 41,535,000 | 52,398,000 | 51,945,000 |
| Total capital | 46,527,000 | 47,091,000 | 57,605,000 | 57,571,000 |
| Risk-weighted assets | 453,454,000 | 467,353,000 | 485,668,000 | 450,450,000 |
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