Call reports 2008
CITIZENS GUARANTY BANK — 2008
What CITIZENS GUARANTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 105,408,000 | 107,340,000 | 115,106,000 | 117,399,000 |
| Total loans | 81,880,000 | 84,767,000 | 91,503,000 | 93,639,000 |
| Allowance for loan losses | 1,662,000 | 1,573,000 | 1,604,000 | 1,843,000 |
| Securities available for sale | 13,054,000 | 17,360,000 | 17,016,000 | 16,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,420,000 | 79,653,000 | 79,086,000 | 89,110,000 |
| Interest-bearing deposits | 66,064,000 | 64,172,000 | 63,942,000 | 73,595,000 |
| Noninterest-bearing deposits | 15,356,000 | 15,481,000 | 15,144,000 | 15,515,000 |
| Equity capital | 9,127,000 | 8,483,000 | 8,227,000 | 8,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,862,000 | 3,627,000 | 5,461,000 | 7,336,000 |
| Interest expense | 767,000 | 1,406,000 | 2,055,000 | 2,757,000 |
| Net interest income | 1,095,000 | 2,221,000 | 3,406,000 | 4,579,000 |
| Noninterest income | 263,000 | 589,000 | 2,011,000 | 2,276,000 |
| Noninterest expense | 1,018,000 | 2,113,000 | 3,558,000 | 4,698,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 580,000 |
| Pretax income | 317,000 | 644,000 | 858,000 | 649,000 |
| Income tax | 0 | 24,000 | 24,000 | 24,000 |
| Net income | 317,000 | 620,000 | 834,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,997,000 | 8,695,000 | 8,888,000 | 8,638,000 |
| Total capital | 9,894,000 | 9,670,000 | 9,949,000 | 9,691,000 |
| Risk-weighted assets | 70,973,000 | 77,396,000 | 83,812,000 | 83,459,000 |