Call reports 2010
CITIZENS GUARANTY BANK — 2010
What CITIZENS GUARANTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 130,705,000 | 125,834,000 | 130,246,000 | 138,368,000 |
| Total loans | 96,638,000 | 96,322,000 | 96,712,000 | 96,666,000 |
| Allowance for loan losses | 1,951,000 | 1,932,000 | 1,964,000 | 1,867,000 |
| Securities available for sale | 22,096,000 | 19,369,000 | 16,350,000 | 26,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,165,000 | 105,226,000 | 110,060,000 | 117,539,000 |
| Interest-bearing deposits | 88,694,000 | 89,051,000 | 93,649,000 | 101,106,000 |
| Noninterest-bearing deposits | 16,471,000 | 16,175,000 | 16,411,000 | 16,433,000 |
| Equity capital | 9,798,000 | 9,910,000 | 10,198,000 | 10,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,775,000 | 3,542,000 | 5,331,000 | 7,114,000 |
| Interest expense | 537,000 | 1,036,000 | 1,487,000 | 1,871,000 |
| Net interest income | 1,238,000 | 2,506,000 | 3,844,000 | 5,243,000 |
| Noninterest income | 270,000 | 552,000 | 865,000 | 1,088,000 |
| Noninterest expense | 1,323,000 | 2,671,000 | 4,025,000 | 5,174,000 |
| Provision for loan losses | 20,000 | 20,000 | 70,000 | 228,000 |
| Pretax income | 164,000 | 366,000 | 613,000 | 906,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 164,000 | 366,000 | 613,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,251,000 | 9,384,000 | 9,602,000 | 9,853,000 |
| Total capital | 10,365,000 | 10,470,000 | 10,714,000 | 10,998,000 |
| Risk-weighted assets | 88,269,000 | 86,024,000 | 88,078,000 | 90,902,000 |