Call reports 2014
GUARANTY BANK & TRUST COMPANY OF DELHI — 2014
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 175,793,000 | 176,068,000 | 185,470,000 | 177,831,000 |
| Total loans | 111,873,000 | 118,553,000 | 122,511,000 | 122,411,000 |
| Allowance for loan losses | 788,000 | 827,000 | 872,000 | 916,000 |
| Securities available for sale | 14,082,000 | 17,116,000 | 17,132,000 | 17,155,000 |
| Securities held to maturity | 2,953,000 | 2,953,000 | 2,953,000 | 2,743,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,526,000 | 143,959,000 | 152,582,000 | 144,284,000 |
| Interest-bearing deposits | 95,075,000 | 93,720,000 | 94,202,000 | 92,919,000 |
| Noninterest-bearing deposits | 49,451,000 | 50,239,000 | 58,380,000 | 51,365,000 |
| Equity capital | 14,561,000 | 14,546,000 | 15,480,000 | 15,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,983,000 | 4,128,000 | 6,387,000 | 8,644,000 |
| Interest expense | 233,000 | 463,000 | 694,000 | 924,000 |
| Net interest income | 1,750,000 | 3,665,000 | 5,693,000 | 7,720,000 |
| Noninterest income | 292,000 | 583,000 | 865,000 | 1,283,000 |
| Noninterest expense | 1,178,000 | 2,271,000 | 3,525,000 | 4,865,000 |
| Provision for loan losses | 20,000 | 88,000 | 152,000 | 207,000 |
| Pretax income | 844,000 | 1,889,000 | 2,881,000 | 3,931,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 844,000 | 1,889,000 | 2,881,000 | 3,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,800,000 | 14,751,000 | 15,671,000 | 15,746,000 |
| Total capital | 15,588,000 | 15,578,000 | 16,543,000 | 16,662,000 |
| Risk-weighted assets | 121,697,000 | 118,078,000 | 131,817,000 | 109,335,000 |