Call reports 2010
GUARANTY BANK AND TRUST COMPANY — 2010
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 250,804,000 | 247,192,000 | 249,002,000 | 241,142,000 |
| Total loans | 131,945,000 | 129,849,000 | 126,339,000 | 124,113,000 |
| Allowance for loan losses | 1,356,000 | 1,361,000 | 1,346,000 | 1,233,000 |
| Securities available for sale | 81,099,000 | 92,014,000 | 105,390,000 | 97,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,274,000 | 198,516,000 | 194,579,000 | 196,679,000 |
| Interest-bearing deposits | 168,734,000 | 168,853,000 | 166,367,000 | 166,769,000 |
| Noninterest-bearing deposits | 29,540,000 | 29,662,000 | 28,212,000 | 29,909,000 |
| Equity capital | 15,478,000 | 16,663,000 | 18,774,000 | 17,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,894,000 | 5,685,000 | 8,421,000 | 10,869,000 |
| Interest expense | 862,000 | 1,603,000 | 2,277,000 | 2,873,000 |
| Net interest income | 2,032,000 | 4,082,000 | 6,144,000 | 7,996,000 |
| Noninterest income | 557,000 | 1,323,000 | 1,969,000 | 2,380,000 |
| Noninterest expense | 2,166,000 | 4,236,000 | 6,377,000 | 8,587,000 |
| Provision for loan losses | 725,000 | 750,000 | 1,025,000 | 1,105,000 |
| Pretax income | -600,000 | -290,000 | 97,000 | 73,000 |
| Income tax | -6,000 | 19,000 | 19,000 | 84,000 |
| Net income | -594,000 | -309,000 | 78,000 | -11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,614,000 | 18,898,000 | 20,285,000 | 20,197,000 |
| Total capital | 19,970,000 | 20,259,000 | 21,631,000 | 21,430,000 |
| Risk-weighted assets | 179,320,000 | 174,833,000 | 169,058,000 | 162,507,000 |