Call reports 2002
GUARANTY BANK & TRUST COMPANY OF DELHI — 2002
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 80,367,000 | 77,648,000 | 79,099,000 | 81,468,000 |
| Total loans | 38,455,000 | 44,882,000 | 42,402,000 | 41,591,000 |
| Allowance for loan losses | 305,000 | 295,000 | 339,000 | 353,000 |
| Securities available for sale | 14,733,000 | 14,034,000 | 13,365,000 | 13,563,000 |
| Securities held to maturity | 6,182,000 | 6,707,000 | 6,658,000 | 6,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,155,000 | 68,994,000 | 69,628,000 | 71,118,000 |
| Interest-bearing deposits | 56,974,000 | 53,852,000 | 52,448,000 | 53,444,000 |
| Noninterest-bearing deposits | 15,181,000 | 15,142,000 | 17,180,000 | 17,674,000 |
| Equity capital | 7,703,000 | 8,123,000 | 8,502,000 | 8,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,162,000 | 2,359,000 | 3,549,000 | 4,676,000 |
| Interest expense | 395,000 | 717,000 | 1,010,000 | 1,282,000 |
| Net interest income | 767,000 | 1,642,000 | 2,539,000 | 3,394,000 |
| Noninterest income | 263,000 | 584,000 | 961,000 | 1,424,000 |
| Noninterest expense | 657,000 | 1,300,000 | 1,989,000 | 2,833,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 90,000 |
| Pretax income | 373,000 | 926,000 | 1,451,000 | 1,895,000 |
| Income tax | 0 | 0 | 2,000 | 10,000 |
| Net income | 373,000 | 926,000 | 1,449,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,459,000 | 7,705,000 | 8,011,000 | 8,446,000 |
| Total capital | 7,764,000 | 8,000,000 | 8,350,000 | 8,799,000 |
| Risk-weighted assets | 44,161,000 | 60,628,000 | 50,264,000 | 51,586,000 |