Call reports 2008
COMMUNITY GUARANTY SAVINGS BANK — 2008
What COMMUNITY GUARANTY SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 96,163,000 | 97,418,000 | 96,259,000 | 96,473,000 |
| Total loans | 59,267,000 | 59,300,000 | 59,432,000 | 60,644,000 |
| Allowance for loan losses | 516,000 | 488,000 | 514,000 | 527,000 |
| Securities available for sale | 27,680,000 | 28,803,000 | 27,030,000 | 26,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,839,000 | 80,606,000 | 80,704,000 | 78,778,000 |
| Interest-bearing deposits | 71,993,000 | 73,270,000 | 73,248,000 | 72,325,000 |
| Noninterest-bearing deposits | 6,846,000 | 7,336,000 | 7,456,000 | 6,452,000 |
| Equity capital | 8,242,000 | 7,969,000 | 7,002,000 | 7,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,565,000 | 3,081,000 | 4,568,000 | 6,043,000 |
| Interest expense | 624,000 | 1,222,000 | 1,778,000 | 2,303,000 |
| Net interest income | 941,000 | 1,859,000 | 2,790,000 | 3,740,000 |
| Noninterest income | 171,000 | 351,000 | 523,000 | 660,000 |
| Noninterest expense | 940,000 | 1,898,000 | 2,816,000 | 3,793,000 |
| Provision for loan losses | 15,000 | 30,000 | 54,000 | 78,000 |
| Pretax income | 158,000 | 302,000 | -629,000 | -575,000 |
| Income tax | 18,000 | 18,000 | -51,000 | -411,000 |
| Net income | 140,000 | 284,000 | -578,000 | -164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,108,000 | 8,139,000 | 7,739,000 | 7,769,000 |
| Total capital | 8,636,000 | 8,639,000 | 8,265,000 | 8,308,000 |
| Risk-weighted assets | 67,671,000 | 68,773,000 | 68,234,000 | 69,357,000 |
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