Call reports 2001
CITIZENS GUARANTY BANK — 2001
What CITIZENS GUARANTY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 83,760,000 | 88,655,000 | 90,060,000 | 96,764,000 |
| Total loans | 65,621,000 | 69,653,000 | 70,318,000 | 68,774,000 |
| Allowance for loan losses | 1,018,000 | 1,069,000 | 993,000 | 1,349,000 |
| Securities available for sale | 12,145,000 | 13,023,000 | 13,911,000 | 15,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,287,000 | 70,241,000 | 71,556,000 | 72,355,000 |
| Interest-bearing deposits | 54,285,000 | 60,480,000 | 62,070,000 | 62,635,000 |
| Noninterest-bearing deposits | 10,002,000 | 9,761,000 | 9,486,000 | 9,720,000 |
| Equity capital | 5,443,000 | 5,590,000 | 5,750,000 | 5,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,852,000 | 3,774,000 | 5,698,000 | 7,590,000 |
| Interest expense | 895,000 | 1,806,000 | 2,687,000 | 3,476,000 |
| Net interest income | 957,000 | 1,968,000 | 3,011,000 | 4,114,000 |
| Noninterest income | 243,000 | 558,000 | 832,000 | 1,135,000 |
| Noninterest expense | 1,014,000 | 2,032,000 | 3,077,000 | 3,947,000 |
| Provision for loan losses | 90,000 | 180,000 | 300,000 | 1,081,000 |
| Pretax income | 104,000 | 344,000 | 500,000 | 272,000 |
| Income tax | 29,000 | 104,000 | 150,000 | 57,000 |
| Net income | 75,000 | 240,000 | 350,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,400,000 | 5,565,000 | 5,674,000 | 5,789,000 |
| Total capital | 6,057,000 | 6,254,000 | 6,369,000 | 6,512,000 |
| Risk-weighted assets | 52,236,000 | 54,711,000 | 55,275,000 | 57,180,000 |