Call reports 2015
COMMUNITY GUARANTY SAVINGS BANK — 2015
What COMMUNITY GUARANTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,375,000 | 112,710,000 | 115,078,000 | 113,382,000 |
| Total loans | 67,750,000 | 68,382,000 | 68,723,000 | 67,688,000 |
| Allowance for loan losses | 738,000 | 642,000 | 666,000 | 712,000 |
| Securities available for sale | 32,199,000 | 29,846,000 | 31,660,000 | 31,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,417,000 | 99,862,000 | 101,922,000 | 100,511,000 |
| Interest-bearing deposits | 84,331,000 | 84,298,000 | 88,114,000 | 87,732,000 |
| Noninterest-bearing deposits | 12,086,000 | 15,564,000 | 13,808,000 | 12,779,000 |
| Equity capital | 9,931,000 | 9,759,000 | 10,020,000 | 9,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 979,000 | 1,970,000 | 2,961,000 | 3,965,000 |
| Interest expense | 119,000 | 233,000 | 345,000 | 451,000 |
| Net interest income | 860,000 | 1,737,000 | 2,616,000 | 3,514,000 |
| Noninterest income | 171,000 | 358,000 | 540,000 | 719,000 |
| Noninterest expense | 935,000 | 1,864,000 | 2,787,000 | 3,717,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 165,000 |
| Pretax income | 51,000 | 142,000 | 250,000 | 352,000 |
| Income tax | -12,000 | -13,000 | -4,000 | 1,000 |
| Net income | 63,000 | 155,000 | 254,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,650,000 | 9,742,000 | 9,781,000 | 9,715,000 |
| Total capital | 10,400,000 | 10,396,000 | 10,459,000 | 10,439,000 |
| Risk-weighted assets | 73,354,000 | 74,215,000 | 72,329,000 | 71,151,000 |