Call reports 2012
GUARANTY BANK AND TRUST COMPANY — 2012
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 572,902,000 | 565,805,000 | 563,419,000 | 568,171,000 |
| Total loans | 361,134,000 | 387,170,000 | 378,124,000 | 390,810,000 |
| Allowance for loan losses | 6,705,000 | 7,066,000 | 7,600,000 | 7,422,000 |
| Securities available for sale | 70,097,000 | 68,843,000 | 73,231,000 | 63,578,000 |
| Securities held to maturity | 53,871,000 | 56,822,000 | 55,031,000 | 58,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,849,000 | 472,391,000 | 484,669,000 | 489,384,000 |
| Interest-bearing deposits | 418,339,000 | 390,018,000 | 385,875,000 | 381,544,000 |
| Noninterest-bearing deposits | 85,510,000 | 82,373,000 | 98,794,000 | 107,840,000 |
| Equity capital | 58,331,000 | 58,919,000 | 62,309,000 | 62,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,306,000 | 12,894,000 | 19,576,000 | 25,994,000 |
| Interest expense | 851,000 | 1,632,000 | 2,377,000 | 3,079,000 |
| Net interest income | 5,455,000 | 11,262,000 | 17,199,000 | 22,915,000 |
| Noninterest income | 1,621,000 | 3,326,000 | 5,093,000 | 7,132,000 |
| Noninterest expense | 4,927,000 | 9,692,000 | 14,673,000 | 19,414,000 |
| Provision for loan losses | 346,000 | 767,000 | 972,000 | 1,047,000 |
| Pretax income | 1,803,000 | 4,129,000 | 6,647,000 | 9,578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,803,000 | 4,129,000 | 6,647,000 | 9,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,127,000 | 59,583,000 | 61,263,000 | 62,262,000 |
| Total capital | 64,511,000 | 65,189,000 | 66,747,000 | 67,848,000 |
| Risk-weighted assets | 429,387,000 | 447,004,000 | 436,607,000 | 445,016,000 |