Call reports 2007
GUARANTY BANK AND TRUST COMPANY — 2007
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 231,329,000 | 227,657,000 | 233,186,000 | 234,170,000 |
| Total loans | 135,131,000 | 134,064,000 | 142,631,000 | 136,912,000 |
| Allowance for loan losses | 1,418,000 | 1,406,000 | 1,363,000 | 1,632,000 |
| Securities available for sale | 81,193,000 | 76,247,000 | 75,837,000 | 76,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,393,000 | 178,920,000 | 178,394,000 | 182,020,000 |
| Interest-bearing deposits | 148,532,000 | 153,589,000 | 154,248,000 | 156,675,000 |
| Noninterest-bearing deposits | 25,861,000 | 25,331,000 | 24,146,000 | 25,345,000 |
| Equity capital | 18,129,000 | 16,449,000 | 17,511,000 | 18,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,294,000 | 6,553,000 | 9,943,000 | 13,309,000 |
| Interest expense | 1,577,000 | 3,181,000 | 4,866,000 | 6,555,000 |
| Net interest income | 1,717,000 | 3,372,000 | 5,077,000 | 6,754,000 |
| Noninterest income | 594,000 | 1,218,000 | 1,868,000 | 2,525,000 |
| Noninterest expense | 2,249,000 | 4,485,000 | 6,699,000 | 8,829,000 |
| Provision for loan losses | 0 | 0 | 0 | 260,000 |
| Pretax income | 71,000 | 119,000 | 269,000 | 214,000 |
| Income tax | 11,000 | 8,000 | 8,000 | 26,000 |
| Net income | 60,000 | 111,000 | 261,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,715,000 | 19,766,000 | 19,916,000 | 19,718,000 |
| Total capital | 21,133,000 | 21,171,000 | 21,279,000 | 21,350,000 |
| Risk-weighted assets | 159,130,000 | 157,287,000 | 182,659,000 | 187,426,000 |