Call reports 2003
CITIZENS GUARANTY BANK — 2003
What CITIZENS GUARANTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 96,661,000 | 93,773,000 | 91,445,000 | 108,286,000 |
| Total loans | 60,355,000 | 60,714,000 | 60,739,000 | 62,059,000 |
| Allowance for loan losses | 1,096,000 | 1,085,000 | 1,065,000 | 1,241,000 |
| Securities available for sale | 28,535,000 | 25,700,000 | 20,530,000 | 36,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,120,000 | 73,344,000 | 71,925,000 | 74,021,000 |
| Interest-bearing deposits | 65,695,000 | 60,778,000 | 60,110,000 | 61,699,000 |
| Noninterest-bearing deposits | 11,425,000 | 12,566,000 | 11,815,000 | 12,322,000 |
| Equity capital | 6,357,000 | 6,721,000 | 6,825,000 | 6,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,550,000 | 3,053,000 | 4,492,000 | 5,946,000 |
| Interest expense | 575,000 | 1,098,000 | 1,565,000 | 2,031,000 |
| Net interest income | 975,000 | 1,955,000 | 2,927,000 | 3,915,000 |
| Noninterest income | 251,000 | 569,000 | 849,000 | 1,133,000 |
| Noninterest expense | 975,000 | 1,969,000 | 2,922,000 | 3,849,000 |
| Provision for loan losses | 15,000 | -38,000 | -25,000 | 171,000 |
| Pretax income | 236,000 | 597,000 | 913,000 | 1,062,000 |
| Income tax | 75,000 | 193,000 | 295,000 | 343,000 |
| Net income | 161,000 | 404,000 | 618,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,179,000 | 6,422,000 | 6,637,000 | 6,487,000 |
| Total capital | 6,874,000 | 7,113,000 | 7,317,000 | 7,200,000 |
| Risk-weighted assets | 55,200,000 | 54,883,000 | 53,997,000 | 56,550,000 |