Call reports 2009
CITIZENS GUARANTY BANK — 2009
What CITIZENS GUARANTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 116,488,000 | 118,690,000 | 124,162,000 | 127,633,000 |
| Total loans | 97,567,000 | 95,373,000 | 95,521,000 | 97,216,000 |
| Allowance for loan losses | 1,907,000 | 1,797,000 | 1,868,000 | 1,894,000 |
| Securities available for sale | 15,679,000 | 17,828,000 | 17,011,000 | 18,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,775,000 | 91,231,000 | 99,613,000 | 100,074,000 |
| Interest-bearing deposits | 75,790,000 | 76,451,000 | 84,638,000 | 84,196,000 |
| Noninterest-bearing deposits | 15,985,000 | 14,780,000 | 14,975,000 | 15,878,000 |
| Equity capital | 8,308,000 | 8,885,000 | 9,375,000 | 9,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,595,000 | 5,410,000 | 7,276,000 |
| Interest expense | 653,000 | 1,261,000 | 1,872,000 | 2,466,000 |
| Net interest income | 1,139,000 | 2,334,000 | 3,538,000 | 4,810,000 |
| Noninterest income | 278,000 | 582,000 | 883,000 | 1,160,000 |
| Noninterest expense | 1,224,000 | 2,488,000 | 3,851,000 | 5,150,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 133,000 | 308,000 | 390,000 | 580,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 133,000 | 308,000 | 390,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,742,000 | 8,879,000 | 8,993,000 | 9,159,000 |
| Total capital | 9,836,000 | 9,971,000 | 10,109,000 | 10,287,000 |
| Risk-weighted assets | 86,744,000 | 86,690,000 | 88,264,000 | 89,447,000 |