Call reports 2009
GUARANTY BANK & TRUST COMPANY OF DELHI — 2009
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 116,962,000 | 118,027,000 | 121,851,000 | 121,990,000 |
| Total loans | 59,350,000 | 62,409,000 | 62,248,000 | 61,863,000 |
| Allowance for loan losses | 473,000 | 446,000 | 473,000 | 497,000 |
| Securities available for sale | 9,277,000 | 8,056,000 | 6,004,000 | 4,452,000 |
| Securities held to maturity | 15,302,000 | 11,791,000 | 10,958,000 | 6,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,400,000 | 97,299,000 | 101,329,000 | 101,472,000 |
| Interest-bearing deposits | 63,175,000 | 67,085,000 | 67,282,000 | 67,492,000 |
| Noninterest-bearing deposits | 33,225,000 | 30,214,000 | 34,047,000 | 33,980,000 |
| Equity capital | 11,336,000 | 11,220,000 | 11,321,000 | 11,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 3,012,000 | 4,534,000 | 5,954,000 |
| Interest expense | 376,000 | 742,000 | 1,089,000 | 1,403,000 |
| Net interest income | 1,126,000 | 2,270,000 | 3,445,000 | 4,551,000 |
| Noninterest income | 254,000 | 558,000 | 850,000 | 1,258,000 |
| Noninterest expense | 868,000 | 1,839,000 | 2,701,000 | 3,644,000 |
| Provision for loan losses | 50,000 | 50,000 | 80,000 | 115,000 |
| Pretax income | 462,000 | 939,000 | 1,514,000 | 2,050,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 462,000 | 939,000 | 1,514,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,173,000 | 11,098,000 | 11,198,000 | 11,735,000 |
| Total capital | 11,646,000 | 11,544,000 | 11,671,000 | 12,232,000 |
| Risk-weighted assets | 82,149,000 | 88,102,000 | 88,444,000 | 95,685,000 |