Call reports 2011
GUARANTY BANK AND TRUST COMPANY — 2011
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 243,390,000 | 244,918,000 | 241,671,000 | 237,879,000 |
| Total loans | 121,606,000 | 125,928,000 | 133,244,000 | 133,199,000 |
| Allowance for loan losses | 1,278,000 | 1,317,000 | 1,282,000 | 1,127,000 |
| Securities available for sale | 106,319,000 | 104,773,000 | 93,173,000 | 88,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,903,000 | 190,986,000 | 188,035,000 | 189,451,000 |
| Interest-bearing deposits | 167,117,000 | 158,209,000 | 152,857,000 | 154,575,000 |
| Noninterest-bearing deposits | 31,786,000 | 32,777,000 | 35,178,000 | 34,875,000 |
| Equity capital | 17,035,000 | 20,818,000 | 22,748,000 | 20,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,368,000 | 4,903,000 | 7,434,000 | 9,934,000 |
| Interest expense | 512,000 | 988,000 | 1,421,000 | 1,807,000 |
| Net interest income | 1,856,000 | 3,915,000 | 6,013,000 | 8,127,000 |
| Noninterest income | 548,000 | 1,182,000 | 1,836,000 | 2,469,000 |
| Noninterest expense | 2,180,000 | 4,386,000 | 6,693,000 | 8,902,000 |
| Provision for loan losses | 115,000 | 190,000 | 540,000 | 1,140,000 |
| Pretax income | -90,000 | 360,000 | 689,000 | 627,000 |
| Income tax | 0 | -17,000 | 13,000 | 13,000 |
| Net income | -90,000 | 377,000 | 676,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,107,000 | 22,074,000 | 22,373,000 | 22,309,000 |
| Total capital | 21,385,000 | 23,391,000 | 23,655,000 | 23,436,000 |
| Risk-weighted assets | 156,505,000 | 157,585,000 | 157,987,000 | 161,008,000 |