Call reports 2014
COMMUNITY GUARANTY SAVINGS BANK — 2014
What COMMUNITY GUARANTY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 107,272,000 | 106,770,000 | 109,256,000 | 109,607,000 |
| Total loans | 67,307,000 | 66,326,000 | 66,489,000 | 67,384,000 |
| Allowance for loan losses | 718,000 | 756,000 | 727,000 | 690,000 |
| Securities available for sale | 31,310,000 | 30,535,000 | 32,144,000 | 33,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,202,000 | 93,217,000 | 96,624,000 | 94,967,000 |
| Interest-bearing deposits | 82,915,000 | 82,783,000 | 85,047,000 | 83,746,000 |
| Noninterest-bearing deposits | 10,287,000 | 10,434,000 | 11,577,000 | 11,221,000 |
| Equity capital | 9,251,000 | 9,570,000 | 9,609,000 | 9,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,941,000 | 2,889,000 | 3,873,000 |
| Interest expense | 139,000 | 271,000 | 401,000 | 530,000 |
| Net interest income | 843,000 | 1,670,000 | 2,488,000 | 3,343,000 |
| Noninterest income | 159,000 | 343,000 | 547,000 | 731,000 |
| Noninterest expense | 891,000 | 1,805,000 | 2,689,000 | 3,613,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 66,000 | 218,000 | 344,000 | 414,000 |
| Income tax | -10,000 | 13,000 | 28,000 | 6,000 |
| Net income | 76,000 | 205,000 | 316,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,749,000 | 8,856,000 | 8,900,000 | 9,050,000 |
| Total capital | 9,479,000 | 9,624,000 | 9,639,000 | 9,752,000 |
| Risk-weighted assets | 81,547,000 | 81,627,000 | 80,550,000 | 83,704,000 |
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