Call reports 2004
GUARANTY BANK & TRUST COMPANY OF DELHI — 2004
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,393,000 | 79,285,000 | 84,541,000 | 87,927,000 |
| Total loans | 45,994,000 | 52,580,000 | 53,058,000 | 50,773,000 |
| Allowance for loan losses | 387,000 | 426,000 | 328,000 | 316,000 |
| Securities available for sale | 8,888,000 | 8,092,000 | 8,702,000 | 8,653,000 |
| Securities held to maturity | 6,334,000 | 6,336,000 | 6,338,000 | 6,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,632,000 | 65,638,000 | 70,529,000 | 73,477,000 |
| Interest-bearing deposits | 49,247,000 | 48,907,000 | 50,139,000 | 50,867,000 |
| Noninterest-bearing deposits | 17,385,000 | 16,731,000 | 20,390,000 | 22,610,000 |
| Equity capital | 9,189,000 | 8,872,000 | 9,201,000 | 9,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,037,000 | 2,104,000 | 3,201,000 | 4,307,000 |
| Interest expense | 171,000 | 327,000 | 524,000 | 715,000 |
| Net interest income | 866,000 | 1,777,000 | 2,677,000 | 3,592,000 |
| Noninterest income | 319,000 | 647,000 | 964,000 | 1,353,000 |
| Noninterest expense | 732,000 | 1,425,000 | 2,166,000 | 2,935,000 |
| Provision for loan losses | 45,000 | 90,000 | 20,000 | 34,000 |
| Pretax income | 408,000 | 909,000 | 1,455,000 | 1,976,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 408,000 | 909,000 | 1,455,000 | 1,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,022,000 | 8,984,000 | 9,186,000 | 9,708,000 |
| Total capital | 9,409,000 | 9,410,000 | 9,514,000 | 10,024,000 |
| Risk-weighted assets | 53,712,000 | 57,267,000 | 61,156,000 | 60,993,000 |