Call reports 2012
COMMUNITY GUARANTY SAVINGS BANK — 2012
What COMMUNITY GUARANTY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 106,100,000 | 106,294,000 | 104,029,000 | 104,297,000 |
| Total loans | 67,642,000 | 68,300,000 | 67,915,000 | 67,193,000 |
| Allowance for loan losses | 656,000 | 654,000 | 703,000 | 665,000 |
| Securities available for sale | 28,553,000 | 26,560,000 | 27,524,000 | 28,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,529,000 | 92,565,000 | 90,555,000 | 90,851,000 |
| Interest-bearing deposits | 81,670,000 | 82,718,000 | 81,339,000 | 81,853,000 |
| Noninterest-bearing deposits | 8,859,000 | 9,847,000 | 9,216,000 | 8,998,000 |
| Equity capital | 9,442,000 | 9,572,000 | 9,747,000 | 9,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,198,000 | 3,268,000 | 4,289,000 |
| Interest expense | 233,000 | 448,000 | 649,000 | 837,000 |
| Net interest income | 879,000 | 1,750,000 | 2,619,000 | 3,452,000 |
| Noninterest income | 174,000 | 447,000 | 679,000 | 891,000 |
| Noninterest expense | 913,000 | 1,866,000 | 2,822,000 | 3,918,000 |
| Provision for loan losses | 45,000 | 185,000 | 235,000 | 310,000 |
| Pretax income | 108,000 | 274,000 | 429,000 | 389,000 |
| Income tax | -11,000 | -25,000 | -1,000 | -46,000 |
| Net income | 119,000 | 299,000 | 430,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,487,000 | 8,803,000 | 8,940,000 | 8,753,000 |
| Total capital | 9,155,000 | 9,469,000 | 9,655,000 | 9,430,000 |
| Risk-weighted assets | 75,903,000 | 77,072,000 | 78,493,000 | 78,472,000 |
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