Call reports 2016
GUARANTY BANK & TRUST COMPANY OF DELHI — 2016
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 203,973,000 | 203,613,000 | 212,558,000 | 212,665,000 |
| Total loans | 156,582,000 | 159,740,000 | 165,148,000 | 173,032,000 |
| Allowance for loan losses | 1,083,000 | 1,069,000 | 1,103,000 | 1,161,000 |
| Securities available for sale | 19,980,000 | 20,029,000 | 20,034,000 | 20,643,000 |
| Securities held to maturity | 2,344,000 | 2,344,000 | 1,284,000 | 1,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,451,000 | 160,728,000 | 168,101,000 | 170,150,000 |
| Interest-bearing deposits | 103,794,000 | 103,610,000 | 104,193,000 | 104,964,000 |
| Noninterest-bearing deposits | 57,657,000 | 57,118,000 | 63,908,000 | 65,186,000 |
| Equity capital | 18,230,000 | 17,884,000 | 18,282,000 | 17,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,666,000 | 5,437,000 | 8,261,000 | 11,172,000 |
| Interest expense | 248,000 | 502,000 | 758,000 | 1,022,000 |
| Net interest income | 2,418,000 | 4,935,000 | 7,503,000 | 10,150,000 |
| Noninterest income | 286,000 | 579,000 | 878,000 | 1,256,000 |
| Noninterest expense | 1,469,000 | 3,091,000 | 4,598,000 | 6,407,000 |
| Provision for loan losses | 0 | 7,000 | 81,000 | 131,000 |
| Pretax income | 1,235,000 | 2,416,000 | 3,702,000 | 4,868,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,235,000 | 2,416,000 | 3,702,000 | 4,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,230,000 | 17,884,000 | 18,282,000 | 18,305,000 |
| Total capital | 19,313,000 | 18,953,000 | 19,385,000 | 19,466,000 |
| Risk-weighted assets | 149,387,000 | 151,569,000 | 154,187,000 | 158,750,000 |