Call reports 2012
CITIZENS GUARANTY BANK — 2012
What CITIZENS GUARANTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,054,000 | 124,749,000 | 123,864,000 | 123,975,000 |
| Total loans | 98,399,000 | 95,857,000 | 95,187,000 | 96,426,000 |
| Allowance for loan losses | 1,227,000 | 1,368,000 | 1,432,000 | 1,427,000 |
| Securities available for sale | 19,271,000 | 18,284,000 | 17,153,000 | 14,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,383,000 | 107,020,000 | 106,148,000 | 106,057,000 |
| Interest-bearing deposits | 92,596,000 | 89,394,000 | 88,108,000 | 88,695,000 |
| Noninterest-bearing deposits | 18,787,000 | 17,626,000 | 18,040,000 | 17,362,000 |
| Equity capital | 11,335,000 | 11,245,000 | 11,151,000 | 11,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,642,000 | 3,232,000 | 4,789,000 | 6,324,000 |
| Interest expense | 197,000 | 375,000 | 541,000 | 693,000 |
| Net interest income | 1,445,000 | 2,857,000 | 4,248,000 | 5,631,000 |
| Noninterest income | 274,000 | 519,000 | 756,000 | 981,000 |
| Noninterest expense | 1,392,000 | 2,769,000 | 4,148,000 | 5,347,000 |
| Provision for loan losses | -426,000 | -351,000 | -291,000 | -257,000 |
| Pretax income | 252,000 | 457,000 | 646,000 | 1,048,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 457,000 | 646,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,852,000 | 10,646,000 | 10,723,000 | 11,126,000 |
| Total capital | 11,983,000 | 11,771,000 | 11,832,000 | 12,236,000 |
| Risk-weighted assets | 90,395,000 | 89,732,000 | 88,410,000 | 88,472,000 |