Call reports 2007
GUARANTY BANK & TRUST COMPANY OF DELHI — 2007
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 99,942,000 | 94,409,000 | 102,040,000 | 100,788,000 |
| Total loans | 57,656,000 | 63,246,000 | 56,348,000 | 56,978,000 |
| Allowance for loan losses | 324,000 | 320,000 | 359,000 | 358,000 |
| Securities available for sale | 11,986,000 | 11,903,000 | 12,062,000 | 12,163,000 |
| Securities held to maturity | 6,630,000 | 6,630,000 | 6,400,000 | 6,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,055,000 | 78,746,000 | 85,242,000 | 83,044,000 |
| Interest-bearing deposits | 55,005,000 | 54,241,000 | 54,685,000 | 53,829,000 |
| Noninterest-bearing deposits | 29,050,000 | 24,505,000 | 30,557,000 | 29,215,000 |
| Equity capital | 10,216,000 | 9,928,000 | 10,197,000 | 10,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,209,000 | 4,885,000 | 6,569,000 |
| Interest expense | 458,000 | 916,000 | 1,388,000 | 1,863,000 |
| Net interest income | 1,148,000 | 2,293,000 | 3,497,000 | 4,706,000 |
| Noninterest income | 345,000 | 735,000 | 1,061,000 | 1,503,000 |
| Noninterest expense | 793,000 | 1,648,000 | 2,446,000 | 3,410,000 |
| Provision for loan losses | 18,000 | 18,000 | 68,000 | 93,000 |
| Pretax income | 682,000 | 1,362,000 | 2,044,000 | 2,706,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 682,000 | 1,362,000 | 2,044,000 | 2,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,350,000 | 10,142,000 | 10,244,000 | 10,906,000 |
| Total capital | 10,674,000 | 10,462,000 | 10,603,000 | 11,264,000 |
| Risk-weighted assets | 65,945,000 | 67,212,000 | 67,525,000 | 71,454,000 |