Call reports 2007
COMMUNITY GUARANTY SAVINGS BANK — 2007
What COMMUNITY GUARANTY SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 89,756,000 | 88,436,000 | 91,465,000 | 93,555,000 |
| Total loans | 57,452,000 | 57,300,000 | 58,440,000 | 58,681,000 |
| Allowance for loan losses | 500,000 | 496,000 | 497,000 | 508,000 |
| Securities available for sale | 21,454,000 | 22,070,000 | 23,848,000 | 25,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,739,000 | 74,807,000 | 76,700,000 | 78,485,000 |
| Interest-bearing deposits | 68,950,000 | 68,198,000 | 69,460,000 | 71,571,000 |
| Noninterest-bearing deposits | 6,789,000 | 6,609,000 | 7,240,000 | 6,914,000 |
| Equity capital | 7,984,000 | 7,897,000 | 8,049,000 | 8,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 3,010,000 | 4,568,000 | 6,132,000 |
| Interest expense | 558,000 | 1,149,000 | 1,752,000 | 2,385,000 |
| Net interest income | 934,000 | 1,861,000 | 2,816,000 | 3,747,000 |
| Noninterest income | 159,000 | 317,000 | 442,000 | 621,000 |
| Noninterest expense | 874,000 | 1,770,000 | 2,752,000 | 3,718,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 207,000 | 384,000 | 470,000 | 604,000 |
| Income tax | 45,000 | 87,000 | 30,000 | 68,000 |
| Net income | 162,000 | 297,000 | 440,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,091,000 | 8,129,000 | 8,172,000 | 8,088,000 |
| Total capital | 8,603,000 | 8,637,000 | 8,681,000 | 8,608,000 |
| Risk-weighted assets | 64,078,000 | 64,587,000 | 64,884,000 | 66,368,000 |
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