Call reports 2008
GUARANTY BANK & TRUST COMPANY OF DELHI — 2008
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 103,747,000 | 106,563,000 | 110,324,000 | 110,627,000 |
| Total loans | 59,249,000 | 65,376,000 | 61,221,000 | 60,286,000 |
| Allowance for loan losses | 361,000 | 292,000 | 364,000 | 428,000 |
| Securities available for sale | 11,270,000 | 10,102,000 | 10,135,000 | 10,347,000 |
| Securities held to maturity | 5,560,000 | 5,438,000 | 5,193,000 | 14,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,967,000 | 88,283,000 | 92,014,000 | 91,560,000 |
| Interest-bearing deposits | 57,434,000 | 60,205,000 | 61,238,000 | 60,517,000 |
| Noninterest-bearing deposits | 28,533,000 | 28,078,000 | 30,776,000 | 31,043,000 |
| Equity capital | 11,085,000 | 10,597,000 | 10,731,000 | 11,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,625,000 | 3,227,000 | 4,849,000 | 6,384,000 |
| Interest expense | 473,000 | 923,000 | 1,353,000 | 1,753,000 |
| Net interest income | 1,152,000 | 2,304,000 | 3,496,000 | 4,631,000 |
| Noninterest income | 348,000 | 634,000 | 960,000 | 1,410,000 |
| Noninterest expense | 810,000 | 1,712,000 | 2,607,000 | 3,555,000 |
| Provision for loan losses | 0 | 56,000 | 137,000 | 217,000 |
| Pretax income | 690,000 | 1,170,000 | 1,712,000 | 2,269,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 690,000 | 1,170,000 | 1,712,000 | 2,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,918,000 | 10,602,000 | 10,703,000 | 11,260,000 |
| Total capital | 11,279,000 | 10,894,000 | 11,067,000 | 11,688,000 |
| Risk-weighted assets | 73,226,000 | 76,673,000 | 74,578,000 | 77,667,000 |