Call reports 2012
GUARANTY BANK AND TRUST COMPANY — 2012
What GUARANTY BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 246,105,000 | 239,519,000 | 246,135,000 | 239,328,000 |
| Total loans | 133,078,000 | 138,972,000 | 137,015,000 | 137,431,000 |
| Allowance for loan losses | 1,096,000 | 1,236,000 | 1,357,000 | 1,433,000 |
| Securities available for sale | 89,546,000 | 87,965,000 | 94,991,000 | 85,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,455,000 | 186,248,000 | 197,583,000 | 189,452,000 |
| Interest-bearing deposits | 158,635,000 | 149,738,000 | 152,410,000 | 150,870,000 |
| Noninterest-bearing deposits | 38,820,000 | 36,510,000 | 45,173,000 | 38,582,000 |
| Equity capital | 21,629,000 | 22,383,000 | 24,667,000 | 25,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,422,000 | 4,841,000 | 7,202,000 | 9,516,000 |
| Interest expense | 358,000 | 711,000 | 1,027,000 | 1,324,000 |
| Net interest income | 2,064,000 | 4,130,000 | 6,175,000 | 8,192,000 |
| Noninterest income | 688,000 | 1,376,000 | 2,111,000 | 2,849,000 |
| Noninterest expense | 2,103,000 | 4,411,000 | 6,545,000 | 8,826,000 |
| Provision for loan losses | 175,000 | 325,000 | 475,000 | 568,000 |
| Pretax income | 582,000 | 944,000 | 1,445,000 | 1,871,000 |
| Income tax | 0 | 14,000 | 44,000 | 95,000 |
| Net income | 582,000 | 930,000 | 1,401,000 | 1,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,892,000 | 23,241,000 | 23,711,000 | 24,275,000 |
| Total capital | 23,988,000 | 24,477,000 | 25,068,000 | 25,708,000 |
| Risk-weighted assets | 156,500,000 | 160,858,000 | 153,620,000 | 146,508,000 |