Call reports 2010
GUARANTY BANK AND TRUST COMPANY — 2010
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 522,499,000 | 518,563,000 | 505,585,000 | 491,067,000 |
| Total loans | 373,268,000 | 385,207,000 | 360,211,000 | 338,832,000 |
| Allowance for loan losses | 7,037,000 | 6,562,000 | 6,867,000 | 5,943,000 |
| Securities available for sale | 32,959,000 | 33,361,000 | 28,930,000 | 45,020,000 |
| Securities held to maturity | 33,274,000 | 34,114,000 | 36,835,000 | 49,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,032,000 | 442,638,000 | 433,721,000 | 420,271,000 |
| Interest-bearing deposits | 388,410,000 | 388,263,000 | 370,067,000 | 355,736,000 |
| Noninterest-bearing deposits | 60,622,000 | 54,375,000 | 63,654,000 | 64,535,000 |
| Equity capital | 51,690,000 | 51,972,000 | 52,324,000 | 51,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,680,000 | 13,586,000 | 20,331,000 | 26,496,000 |
| Interest expense | 1,457,000 | 2,854,000 | 4,159,000 | 5,318,000 |
| Net interest income | 5,223,000 | 10,732,000 | 16,172,000 | 21,178,000 |
| Noninterest income | 1,641,000 | 3,405,000 | 5,866,000 | 7,566,000 |
| Noninterest expense | 4,365,000 | 8,826,000 | 13,466,000 | 18,060,000 |
| Provision for loan losses | 1,122,000 | 2,097,000 | 3,431,000 | 4,683,000 |
| Pretax income | 676,000 | 2,314,000 | 3,883,000 | 3,812,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 676,000 | 2,314,000 | 3,883,000 | 3,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,060,000 | 52,947,000 | 54,009,000 | 53,480,000 |
| Total capital | 57,503,000 | 58,411,000 | 59,193,000 | 58,436,000 |
| Risk-weighted assets | 435,414,000 | 437,497,000 | 413,027,000 | 395,466,000 |