Call reports 2008
GUARANTY BANK AND TRUST COMPANY — 2008
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 241,275,000 | 238,772,000 | 237,676,000 | 243,495,000 |
| Total loans | 137,448,000 | 138,774,000 | 145,472,000 | 144,368,000 |
| Allowance for loan losses | 1,630,000 | 1,344,000 | 1,349,000 | 1,506,000 |
| Securities available for sale | 87,182,000 | 81,986,000 | 76,279,000 | 80,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,484,000 | 180,160,000 | 184,779,000 | 194,911,000 |
| Interest-bearing deposits | 158,300,000 | 153,781,000 | 157,853,000 | 166,753,000 |
| Noninterest-bearing deposits | 25,184,000 | 26,379,000 | 26,926,000 | 28,158,000 |
| Equity capital | 18,197,000 | 15,083,000 | 10,927,000 | 11,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,377,000 | 6,679,000 | 9,986,000 | 13,372,000 |
| Interest expense | 1,531,000 | 2,867,000 | 4,144,000 | 5,384,000 |
| Net interest income | 1,846,000 | 3,812,000 | 5,842,000 | 7,988,000 |
| Noninterest income | 587,000 | 1,239,000 | 1,876,000 | 2,858,000 |
| Noninterest expense | 2,188,000 | 4,411,000 | 6,704,000 | 9,111,000 |
| Provision for loan losses | 30,000 | 100,000 | 250,000 | 525,000 |
| Pretax income | 276,000 | 619,000 | 843,000 | 835,000 |
| Income tax | 15,000 | 15,000 | 35,000 | 85,000 |
| Net income | 261,000 | 604,000 | 808,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,979,000 | 20,322,000 | 20,226,000 | 20,169,000 |
| Total capital | 21,610,000 | 21,667,000 | 21,576,000 | 21,676,000 |
| Risk-weighted assets | 190,064,000 | 190,990,000 | 196,416,000 | 177,503,000 |