Call reports 2011
CITIZENS GUARANTY BANK — 2011
What CITIZENS GUARANTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 138,013,000 | 133,559,000 | 128,602,000 | 130,502,000 |
| Total loans | 96,697,000 | 97,603,000 | 98,879,000 | 100,512,000 |
| Allowance for loan losses | 1,877,000 | 1,639,000 | 1,707,000 | 1,725,000 |
| Securities available for sale | 25,743,000 | 25,841,000 | 21,701,000 | 20,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,150,000 | 118,439,000 | 112,611,000 | 113,198,000 |
| Interest-bearing deposits | 104,911,000 | 102,717,000 | 95,207,000 | 96,414,000 |
| Noninterest-bearing deposits | 17,239,000 | 15,722,000 | 17,404,000 | 16,784,000 |
| Equity capital | 10,573,000 | 10,627,000 | 10,902,000 | 10,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,708,000 | 3,432,000 | 5,126,000 | 6,833,000 |
| Interest expense | 325,000 | 627,000 | 894,000 | 1,120,000 |
| Net interest income | 1,383,000 | 2,805,000 | 4,232,000 | 5,713,000 |
| Noninterest income | 248,000 | 458,000 | 729,000 | 910,000 |
| Noninterest expense | 1,429,000 | 2,838,000 | 4,226,000 | 5,579,000 |
| Provision for loan losses | 0 | 0 | 0 | 38,000 |
| Pretax income | 202,000 | 422,000 | 732,000 | 1,010,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 202,000 | 422,000 | 732,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,055,000 | 10,079,000 | 10,389,000 | 10,641,000 |
| Total capital | 11,192,000 | 11,204,000 | 11,526,000 | 11,797,000 |
| Risk-weighted assets | 90,218,000 | 89,446,000 | 90,369,000 | 91,911,000 |