Call reports 2004
CITIZENS GUARANTY BANK — 2004
What CITIZENS GUARANTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 104,008,000 | 102,766,000 | 103,834,000 | 103,991,000 |
| Total loans | 65,677,000 | 63,948,000 | 67,351,000 | 67,783,000 |
| Allowance for loan losses | 1,239,000 | 1,252,000 | 1,242,000 | 1,356,000 |
| Securities available for sale | 30,964,000 | 29,948,000 | 29,152,000 | 26,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,770,000 | 73,687,000 | 72,810,000 | 75,351,000 |
| Interest-bearing deposits | 61,275,000 | 60,780,000 | 59,255,000 | 58,834,000 |
| Noninterest-bearing deposits | 12,495,000 | 12,907,000 | 13,555,000 | 16,517,000 |
| Equity capital | 7,077,000 | 6,797,000 | 7,283,000 | 7,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,530,000 | 3,023,000 | 4,536,000 | 6,109,000 |
| Interest expense | 493,000 | 978,000 | 1,473,000 | 1,969,000 |
| Net interest income | 1,037,000 | 2,045,000 | 3,063,000 | 4,140,000 |
| Noninterest income | 285,000 | 569,000 | 853,000 | 1,113,000 |
| Noninterest expense | 963,000 | 1,965,000 | 2,984,000 | 3,963,000 |
| Provision for loan losses | -26,000 | 0 | 0 | 176,000 |
| Pretax income | 405,000 | 669,000 | 953,000 | 1,153,000 |
| Income tax | 131,000 | 214,000 | 302,000 | 367,000 |
| Net income | 274,000 | 455,000 | 651,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,760,000 | 6,942,000 | 7,137,000 | 7,273,000 |
| Total capital | 7,479,000 | 7,669,000 | 7,889,000 | 8,016,000 |
| Risk-weighted assets | 56,987,000 | 57,726,000 | 59,678,000 | 58,836,000 |