Call reports 2013
COMMUNITY GUARANTY SAVINGS BANK — 2013
What COMMUNITY GUARANTY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 105,991,000 | 106,281,000 | 109,237,000 | 106,585,000 |
| Total loans | 66,194,000 | 66,416,000 | 66,217,000 | 66,481,000 |
| Allowance for loan losses | 681,000 | 710,000 | 757,000 | 680,000 |
| Securities available for sale | 28,718,000 | 29,932,000 | 31,393,000 | 31,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,078,000 | 93,464,000 | 96,348,000 | 93,245,000 |
| Interest-bearing deposits | 82,326,000 | 82,487,000 | 85,801,000 | 83,231,000 |
| Noninterest-bearing deposits | 9,752,000 | 10,977,000 | 10,547,000 | 10,014,000 |
| Equity capital | 9,508,000 | 8,921,000 | 8,949,000 | 8,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,003,000 | 1,987,000 | 2,978,000 | 3,966,000 |
| Interest expense | 175,000 | 340,000 | 500,000 | 648,000 |
| Net interest income | 828,000 | 1,647,000 | 2,478,000 | 3,318,000 |
| Noninterest income | 241,000 | 458,000 | 639,000 | 818,000 |
| Noninterest expense | 927,000 | 1,860,000 | 2,772,000 | 3,644,000 |
| Provision for loan losses | 63,000 | 90,000 | 135,000 | 175,000 |
| Pretax income | 115,000 | 191,000 | 246,000 | 353,000 |
| Income tax | 7,000 | -12,000 | -28,000 | 39,000 |
| Net income | 108,000 | 203,000 | 274,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,801,000 | 8,581,000 | 8,615,000 | 8,673,000 |
| Total capital | 9,494,000 | 9,303,000 | 9,384,000 | 9,365,000 |
| Risk-weighted assets | 79,382,000 | 80,027,000 | 80,953,000 | 81,118,000 |
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