Call reports 2007
CITIZENS GUARANTY BANK — 2007
What CITIZENS GUARANTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 110,562,000 | 106,042,000 | 105,706,000 | 120,575,000 |
| Total loans | 81,284,000 | 83,423,000 | 84,785,000 | 83,695,000 |
| Allowance for loan losses | 1,638,000 | 1,635,000 | 1,641,000 | 1,674,000 |
| Securities available for sale | 21,076,000 | 15,241,000 | 14,046,000 | 29,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,920,000 | 83,457,000 | 82,984,000 | 81,499,000 |
| Interest-bearing deposits | 73,590,000 | 68,043,000 | 68,857,000 | 67,610,000 |
| Noninterest-bearing deposits | 16,330,000 | 15,414,000 | 14,127,000 | 13,889,000 |
| Equity capital | 7,597,000 | 7,674,000 | 8,087,000 | 8,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,864,000 | 3,756,000 | 5,675,000 | 7,601,000 |
| Interest expense | 859,000 | 1,687,000 | 2,530,000 | 3,364,000 |
| Net interest income | 1,005,000 | 2,069,000 | 3,145,000 | 4,237,000 |
| Noninterest income | 252,000 | 524,000 | 792,000 | 1,041,000 |
| Noninterest expense | 1,065,000 | 2,112,000 | 3,204,000 | 3,932,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 238,000 |
| Pretax income | 162,000 | 421,000 | 643,000 | 1,108,000 |
| Income tax | 338,000 | 338,000 | 338,000 | 313,000 |
| Net income | -176,000 | 83,000 | 305,000 | 795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,831,000 | 8,090,000 | 8,312,000 | 8,802,000 |
| Total capital | 8,763,000 | 9,014,000 | 9,234,000 | 9,747,000 |
| Risk-weighted assets | 73,894,000 | 73,231,000 | 73,014,000 | 74,907,000 |