Call reports 2005
GUARANTY BANK & TRUST COMPANY OF DELHI — 2005
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 86,763,000 | 84,738,000 | 86,632,000 | 91,430,000 |
| Total loans | 46,919,000 | 51,927,000 | 52,163,000 | 51,355,000 |
| Allowance for loan losses | 329,000 | 320,000 | 318,000 | 310,000 |
| Securities available for sale | 8,677,000 | 8,782,000 | 9,026,000 | 9,952,000 |
| Securities held to maturity | 6,201,000 | 6,203,000 | 6,205,000 | 6,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,533,000 | 70,479,000 | 72,196,000 | 76,859,000 |
| Interest-bearing deposits | 51,195,000 | 50,387,000 | 50,392,000 | 52,050,000 |
| Noninterest-bearing deposits | 21,338,000 | 20,092,000 | 21,804,000 | 24,809,000 |
| Equity capital | 9,423,000 | 9,351,000 | 9,426,000 | 9,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,124,000 | 2,275,000 | 3,500,000 | 4,764,000 |
| Interest expense | 211,000 | 446,000 | 716,000 | 1,014,000 |
| Net interest income | 913,000 | 1,829,000 | 2,784,000 | 3,750,000 |
| Noninterest income | 294,000 | 594,000 | 906,000 | 1,268,000 |
| Noninterest expense | 696,000 | 1,466,000 | 2,212,000 | 3,049,000 |
| Provision for loan losses | 0 | 7,000 | 21,000 | 39,000 |
| Pretax income | 511,000 | 950,000 | 1,457,000 | 1,930,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 511,000 | 950,000 | 1,457,000 | 1,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,610,000 | 9,418,000 | 9,579,000 | 10,053,000 |
| Total capital | 9,939,000 | 9,738,000 | 9,897,000 | 10,363,000 |
| Risk-weighted assets | 57,450,000 | 58,361,000 | 60,295,000 | 61,664,000 |