Call reports 2009
COMMUNITY GUARANTY SAVINGS BANK — 2009
What COMMUNITY GUARANTY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 96,758,000 | 98,959,000 | 98,625,000 | 97,693,000 |
| Total loans | 62,015,000 | 61,321,000 | 64,354,000 | 64,352,000 |
| Allowance for loan losses | 555,000 | 545,000 | 581,000 | 687,000 |
| Securities available for sale | 25,635,000 | 24,899,000 | 24,764,000 | 23,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,918,000 | 82,102,000 | 84,034,000 | 83,524,000 |
| Interest-bearing deposits | 75,456,000 | 74,666,000 | 75,267,000 | 75,933,000 |
| Noninterest-bearing deposits | 6,462,000 | 7,436,000 | 8,767,000 | 7,591,000 |
| Equity capital | 7,725,000 | 7,961,000 | 8,431,000 | 8,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,401,000 | 2,765,000 | 4,072,000 | 5,332,000 |
| Interest expense | 501,000 | 981,000 | 1,419,000 | 1,820,000 |
| Net interest income | 900,000 | 1,784,000 | 2,653,000 | 3,512,000 |
| Noninterest income | 174,000 | 381,000 | 550,000 | 726,000 |
| Noninterest expense | 920,000 | 1,886,000 | 2,791,000 | 3,687,000 |
| Provision for loan losses | 24,000 | 48,000 | 87,000 | 238,000 |
| Pretax income | 131,000 | 258,000 | 353,000 | 466,000 |
| Income tax | -3,000 | -3,000 | -12,000 | -2,000 |
| Net income | 134,000 | 261,000 | 365,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,753,000 | 7,940,000 | 8,065,000 | 8,102,000 |
| Total capital | 8,320,000 | 8,497,000 | 8,668,000 | 8,801,000 |
| Risk-weighted assets | 70,554,000 | 70,213,000 | 71,865,000 | 73,264,000 |
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