Call reports 2006
GUARANTY BANK & TRUST COMPANY OF DELHI — 2006
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 91,132,000 | 90,560,000 | 94,118,000 | 99,025,000 |
| Total loans | 51,922,000 | 59,271,000 | 56,773,000 | 56,011,000 |
| Allowance for loan losses | 320,000 | 320,000 | 309,000 | 304,000 |
| Securities available for sale | 11,868,000 | 11,710,000 | 12,455,000 | 12,451,000 |
| Securities held to maturity | 6,339,000 | 6,698,000 | 6,699,000 | 6,579,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,598,000 | 75,758,000 | 78,698,000 | 83,016,000 |
| Interest-bearing deposits | 53,242,000 | 52,722,000 | 53,207,000 | 54,029,000 |
| Noninterest-bearing deposits | 23,356,000 | 23,036,000 | 25,491,000 | 28,987,000 |
| Equity capital | 9,779,000 | 9,472,000 | 9,886,000 | 10,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,299,000 | 2,687,000 | 4,172,000 | 5,736,000 |
| Interest expense | 322,000 | 680,000 | 1,096,000 | 1,540,000 |
| Net interest income | 977,000 | 2,007,000 | 3,076,000 | 4,196,000 |
| Noninterest income | 306,000 | 646,000 | 1,030,000 | 1,459,000 |
| Noninterest expense | 771,000 | 1,586,000 | 2,381,000 | 3,304,000 |
| Provision for loan losses | 1,000 | 8,000 | 31,000 | 47,000 |
| Pretax income | 511,000 | 1,059,000 | 1,694,000 | 2,304,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 511,000 | 1,059,000 | 1,694,000 | 2,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,059,000 | 9,038,000 | 10,068,000 | 10,677,000 |
| Total capital | 10,379,000 | 9,358,000 | 10,377,000 | 10,981,000 |
| Risk-weighted assets | 61,569,000 | 62,903,000 | 64,623,000 | 65,794,000 |