Call reports 2006
GUARANTY BANK AND TRUST COMPANY — 2006
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 234,507,000 | 235,332,000 | 236,648,000 | 235,759,000 |
| Total loans | 132,702,000 | 134,472,000 | 134,091,000 | 135,132,000 |
| Allowance for loan losses | 1,345,000 | 1,315,000 | 1,300,000 | 1,422,000 |
| Securities available for sale | 89,298,000 | 86,382,000 | 86,870,000 | 83,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,078,000 | 174,624,000 | 180,727,000 | 182,808,000 |
| Interest-bearing deposits | 151,845,000 | 150,545,000 | 156,071,000 | 155,545,000 |
| Noninterest-bearing deposits | 24,233,000 | 24,078,000 | 24,656,000 | 27,263,000 |
| Equity capital | 16,001,000 | 15,105,000 | 17,679,000 | 18,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,097,000 | 6,300,000 | 9,581,000 | 12,933,000 |
| Interest expense | 1,356,000 | 2,866,000 | 4,440,000 | 6,053,000 |
| Net interest income | 1,741,000 | 3,434,000 | 5,141,000 | 6,880,000 |
| Noninterest income | 581,000 | 1,186,000 | 1,819,000 | 2,752,000 |
| Noninterest expense | 2,036,000 | 4,029,000 | 6,087,000 | 8,240,000 |
| Provision for loan losses | 0 | 0 | 0 | 120,000 |
| Pretax income | 328,000 | 643,000 | 928,000 | 1,356,000 |
| Income tax | 9,000 | 22,000 | 36,000 | 58,000 |
| Net income | 319,000 | 621,000 | 892,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,251,000 | 19,553,000 | 19,824,000 | 20,005,000 |
| Total capital | 20,596,000 | 20,867,000 | 21,123,000 | 21,426,000 |
| Risk-weighted assets | 162,433,000 | 164,233,000 | 164,118,000 | 162,939,000 |