Call reports 2006
CITIZENS GUARANTY BANK — 2006
What CITIZENS GUARANTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 102,481,000 | 104,615,000 | 103,918,000 | 106,188,000 |
| Total loans | 71,859,000 | 75,836,000 | 76,262,000 | 80,099,000 |
| Allowance for loan losses | 1,593,000 | 1,614,000 | 1,646,000 | 1,640,000 |
| Securities available for sale | 22,135,000 | 21,197,000 | 20,129,000 | 18,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,016,000 | 78,253,000 | 81,032,000 | 80,667,000 |
| Interest-bearing deposits | 57,912,000 | 60,690,000 | 62,637,000 | 65,633,000 |
| Noninterest-bearing deposits | 19,104,000 | 17,563,000 | 18,395,000 | 15,034,000 |
| Equity capital | 7,956,000 | 8,027,000 | 8,396,000 | 8,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,649,000 | 3,359,000 | 5,166,000 | 7,090,000 |
| Interest expense | 630,000 | 1,281,000 | 2,012,000 | 2,840,000 |
| Net interest income | 1,019,000 | 2,078,000 | 3,154,000 | 4,250,000 |
| Noninterest income | 270,000 | 551,000 | 807,000 | 1,065,000 |
| Noninterest expense | 1,017,000 | 2,048,000 | 3,074,000 | 3,941,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 242,000 | 521,000 | 797,000 | 1,254,000 |
| Income tax | 71,000 | 155,000 | 238,000 | 371,000 |
| Net income | 171,000 | 366,000 | 559,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,258,000 | 8,453,000 | 8,646,000 | 8,971,000 |
| Total capital | 9,092,000 | 9,326,000 | 9,548,000 | 9,893,000 |
| Risk-weighted assets | 65,960,000 | 69,109,000 | 71,394,000 | 73,030,000 |