Call reports 2020
GUARANTY BANK & TRUST COMPANY OF DELHI — 2020
What GUARANTY BANK & TRUST COMPANY OF DELHI reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 295,845,000 | 320,949,000 | 315,011,000 | 318,116,000 |
| Total loans | 224,350,000 | 232,423,000 | 232,980,000 | 219,764,000 |
| Allowance for loan losses | 1,434,000 | 1,903,000 | 1,941,000 | 2,093,000 |
| Securities available for sale | 14,049,000 | 14,050,000 | 13,985,000 | 14,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,461,000 | 270,704,000 | 274,098,000 | 277,070,000 |
| Interest-bearing deposits | 168,029,000 | 176,505,000 | 174,022,000 | 182,349,000 |
| Noninterest-bearing deposits | 82,432,000 | 94,199,000 | 100,076,000 | 94,721,000 |
| Equity capital | 24,111,000 | 23,864,000 | 24,481,000 | 25,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,915,000 | 7,749,000 | 11,638,000 | 15,417,000 |
| Interest expense | 650,000 | 1,241,000 | 1,742,000 | 2,196,000 |
| Net interest income | 3,265,000 | 6,508,000 | 9,896,000 | 13,221,000 |
| Noninterest income | 594,000 | 1,380,000 | 2,182,000 | 3,189,000 |
| Noninterest expense | 2,288,000 | 4,720,000 | 6,971,000 | 9,603,000 |
| Provision for loan losses | 95,000 | 578,000 | 632,000 | 732,000 |
| Pretax income | 1,476,000 | 2,590,000 | 4,475,000 | 6,075,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,476,000 | 2,590,000 | 4,475,000 | 6,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,062,000 | 23,814,000 | 24,496,000 | 25,544,000 |
| Total capital | 25,496,000 | 25,717,000 | 26,437,000 | 27,637,000 |
| Risk-weighted assets | 194,603,000 | 194,737,000 | 190,344,000 | 185,300,000 |