Call reports 2002
CITIZENS GUARANTY BANK — 2002
What CITIZENS GUARANTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 93,422,000 | 93,072,000 | 93,259,000 | 96,782,000 |
| Total loans | 66,183,000 | 66,038,000 | 63,835,000 | 60,573,000 |
| Allowance for loan losses | 1,265,000 | 1,189,000 | 1,152,000 | 1,094,000 |
| Securities available for sale | 18,118,000 | 19,999,000 | 22,611,000 | 29,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,092,000 | 74,596,000 | 74,217,000 | 76,418,000 |
| Interest-bearing deposits | 64,379,000 | 64,212,000 | 63,435,000 | 65,391,000 |
| Noninterest-bearing deposits | 10,713,000 | 10,384,000 | 10,782,000 | 11,027,000 |
| Equity capital | 6,075,000 | 6,395,000 | 6,710,000 | 6,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,477,000 | 5,166,000 | 6,803,000 |
| Interest expense | 695,000 | 1,356,000 | 1,982,000 | 2,593,000 |
| Net interest income | 1,048,000 | 2,121,000 | 3,184,000 | 4,210,000 |
| Noninterest income | 272,000 | 556,000 | 792,000 | 1,040,000 |
| Noninterest expense | 961,000 | 1,929,000 | 2,919,000 | 3,724,000 |
| Provision for loan losses | -56,000 | -37,000 | -100,000 | 31,000 |
| Pretax income | 415,000 | 785,000 | 1,157,000 | 1,495,000 |
| Income tax | 133,000 | 256,000 | 379,000 | 494,000 |
| Net income | 282,000 | 529,000 | 778,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,070,000 | 6,318,000 | 6,567,000 | 6,018,000 |
| Total capital | 6,749,000 | 7,003,000 | 7,223,000 | 6,674,000 |
| Risk-weighted assets | 53,771,000 | 54,261,000 | 51,969,000 | 52,054,000 |