Call reports 2005
GUARANTY BANK AND TRUST COMPANY — 2005
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 254,752,000 | 232,013,000 | 238,656,000 | 237,893,000 |
| Total loans | 130,289,000 | 126,199,000 | 132,093,000 | 130,233,000 |
| Allowance for loan losses | 1,552,000 | 1,767,000 | 1,806,000 | 1,382,000 |
| Securities available for sale | 109,840,000 | 93,262,000 | 92,142,000 | 92,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,976,000 | 177,587,000 | 182,975,000 | 181,826,000 |
| Interest-bearing deposits | 173,822,000 | 155,606,000 | 159,974,000 | 156,951,000 |
| Noninterest-bearing deposits | 23,154,000 | 21,981,000 | 23,001,000 | 24,875,000 |
| Equity capital | 16,257,000 | 17,855,000 | 18,027,000 | 16,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,154,000 | 6,278,000 | 9,380,000 | 12,494,000 |
| Interest expense | 1,083,000 | 2,266,000 | 3,478,000 | 4,797,000 |
| Net interest income | 2,071,000 | 4,012,000 | 5,902,000 | 7,697,000 |
| Noninterest income | 647,000 | 1,245,000 | 1,871,000 | 2,479,000 |
| Noninterest expense | 1,914,000 | 3,878,000 | 5,900,000 | 7,981,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 848,000 | 1,452,000 | 2,012,000 | 2,341,000 |
| Income tax | 70,000 | 108,000 | 138,000 | 139,000 |
| Net income | 778,000 | 1,344,000 | 1,874,000 | 2,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,008,000 | 19,074,000 | 19,403,000 | 19,532,000 |
| Total capital | 20,560,000 | 20,840,000 | 21,209,000 | 20,914,000 |
| Risk-weighted assets | 161,617,000 | 149,510,000 | 156,980,000 | 159,353,000 |