Call reports 2003
GUARANTY BANK & TRUST COMPANY OF DELHI — 2003
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 81,628,000 | 78,923,000 | 81,754,000 | 81,432,000 |
| Total loans | 41,832,000 | 47,256,000 | 46,345,000 | 45,162,000 |
| Allowance for loan losses | 366,000 | 365,000 | 366,000 | 388,000 |
| Securities available for sale | 13,092,000 | 10,472,000 | 12,460,000 | 10,799,000 |
| Securities held to maturity | 6,329,000 | 6,330,000 | 6,331,000 | 6,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,889,000 | 66,679,000 | 68,859,000 | 67,951,000 |
| Interest-bearing deposits | 52,833,000 | 50,248,000 | 50,510,000 | 48,808,000 |
| Noninterest-bearing deposits | 17,056,000 | 16,431,000 | 18,349,000 | 19,143,000 |
| Equity capital | 8,986,000 | 8,879,000 | 8,857,000 | 9,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,198,000 | 3,313,000 | 4,356,000 |
| Interest expense | 230,000 | 453,000 | 640,000 | 818,000 |
| Net interest income | 819,000 | 1,745,000 | 2,673,000 | 3,538,000 |
| Noninterest income | 366,000 | 756,000 | 1,158,000 | 1,595,000 |
| Noninterest expense | 702,000 | 1,370,000 | 2,097,000 | 2,909,000 |
| Provision for loan losses | 30,000 | 90,000 | 120,000 | 180,000 |
| Pretax income | 448,000 | 1,036,000 | 1,609,000 | 2,039,000 |
| Income tax | 0 | 7,000 | 11,000 | 14,000 |
| Net income | 448,000 | 1,029,000 | 1,598,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,627,000 | 8,554,000 | 8,689,000 | 9,116,000 |
| Total capital | 8,993,000 | 8,919,000 | 9,055,000 | 9,504,000 |
| Risk-weighted assets | 46,232,000 | 54,007,000 | 49,896,000 | 48,379,000 |