Call reports 2015
GUARANTY BANK & TRUST COMPANY OF DELHI — 2015
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 188,280,000 | 185,858,000 | 198,404,000 | 197,243,000 |
| Total loans | 131,583,000 | 140,380,000 | 146,344,000 | 152,511,000 |
| Allowance for loan losses | 950,000 | 965,000 | 1,041,000 | 1,088,000 |
| Securities available for sale | 17,968,000 | 17,952,000 | 18,011,000 | 17,931,000 |
| Securities held to maturity | 2,743,000 | 2,743,000 | 2,743,000 | 2,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,644,000 | 141,284,000 | 151,146,000 | 157,111,000 |
| Interest-bearing deposits | 95,846,000 | 92,614,000 | 94,357,000 | 98,388,000 |
| Noninterest-bearing deposits | 53,798,000 | 48,670,000 | 56,789,000 | 58,723,000 |
| Equity capital | 16,807,000 | 16,690,000 | 17,017,000 | 16,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,424,000 | 4,878,000 | 7,497,000 | 10,158,000 |
| Interest expense | 229,000 | 458,000 | 692,000 | 931,000 |
| Net interest income | 2,195,000 | 4,420,000 | 6,805,000 | 9,227,000 |
| Noninterest income | 258,000 | 529,000 | 817,000 | 1,200,000 |
| Noninterest expense | 1,341,000 | 2,530,000 | 3,960,000 | 5,557,000 |
| Provision for loan losses | 34,000 | 72,000 | 159,000 | 237,000 |
| Pretax income | 1,078,000 | 2,347,000 | 3,503,000 | 4,633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,078,000 | 2,347,000 | 3,503,000 | 4,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,824,000 | 16,690,000 | 17,017,000 | 17,008,000 |
| Total capital | 17,774,000 | 17,655,000 | 18,058,000 | 18,096,000 |
| Risk-weighted assets | 122,483,000 | 133,682,000 | 142,817,000 | 146,112,000 |