Call reports 2005
CITIZENS GUARANTY BANK — 2005
What CITIZENS GUARANTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 101,889,000 | 101,011,000 | 102,041,000 | 104,141,000 |
| Total loans | 67,001,000 | 68,129,000 | 69,630,000 | 71,868,000 |
| Allowance for loan losses | 1,351,000 | 1,377,000 | 1,415,000 | 1,437,000 |
| Securities available for sale | 25,485,000 | 25,293,000 | 25,045,000 | 23,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,744,000 | 72,247,000 | 73,085,000 | 76,167,000 |
| Interest-bearing deposits | 57,183,000 | 54,653,000 | 55,305,000 | 57,858,000 |
| Noninterest-bearing deposits | 17,561,000 | 17,594,000 | 17,780,000 | 18,309,000 |
| Equity capital | 7,342,000 | 7,575,000 | 7,671,000 | 7,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,511,000 | 3,065,000 | 4,645,000 | 6,317,000 |
| Interest expense | 488,000 | 990,000 | 1,509,000 | 2,109,000 |
| Net interest income | 1,023,000 | 2,075,000 | 3,136,000 | 4,208,000 |
| Noninterest income | 326,000 | 638,000 | 897,000 | 1,138,000 |
| Noninterest expense | 1,040,000 | 2,116,000 | 3,188,000 | 4,028,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 135,000 |
| Pretax income | 279,000 | 536,000 | 754,000 | 1,181,000 |
| Income tax | 88,000 | 168,000 | 232,000 | 366,000 |
| Net income | 191,000 | 368,000 | 522,000 | 815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,464,000 | 7,641,000 | 7,795,000 | 8,088,000 |
| Total capital | 8,229,000 | 8,381,000 | 8,594,000 | 8,918,000 |
| Risk-weighted assets | 60,604,000 | 58,561,000 | 63,286,000 | 65,781,000 |