Call reports 2009
GUARANTY BANK AND TRUST COMPANY — 2009
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 244,576,000 | 251,761,000 | 251,128,000 | 249,228,000 |
| Total loans | 141,572,000 | 138,180,000 | 140,547,000 | 132,241,000 |
| Allowance for loan losses | 1,374,000 | 1,329,000 | 1,144,000 | 1,417,000 |
| Securities available for sale | 82,190,000 | 92,469,000 | 90,593,000 | 87,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,285,000 | 198,960,000 | 193,882,000 | 195,387,000 |
| Interest-bearing deposits | 169,031,000 | 172,555,000 | 167,366,000 | 166,460,000 |
| Noninterest-bearing deposits | 25,254,000 | 26,406,000 | 26,516,000 | 28,927,000 |
| Equity capital | 11,554,000 | 14,798,000 | 17,594,000 | 13,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,303,000 | 6,558,000 | 9,758,000 | 12,792,000 |
| Interest expense | 1,143,000 | 2,211,000 | 3,218,000 | 4,133,000 |
| Net interest income | 2,160,000 | 4,347,000 | 6,540,000 | 8,659,000 |
| Noninterest income | 589,000 | 1,198,000 | 1,811,000 | 2,390,000 |
| Noninterest expense | 2,049,000 | 4,151,000 | 6,189,000 | 8,445,000 |
| Provision for loan losses | 75,000 | 225,000 | 625,000 | 1,125,000 |
| Pretax income | 785,000 | 648,000 | 1,080,000 | -198,000 |
| Income tax | 0 | 64,000 | 63,000 | 63,000 |
| Net income | 785,000 | 584,000 | 1,017,000 | -261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,604,000 | 20,403,000 | 20,736,000 | 19,208,000 |
| Total capital | 21,978,000 | 21,732,000 | 21,880,000 | 20,625,000 |
| Risk-weighted assets | 178,453,000 | 200,102,000 | 195,549,000 | 183,320,000 |