Call reports 2013
CITIZENS GUARANTY BANK — 2013
What CITIZENS GUARANTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 124,964,000 | 126,992,000 | 132,681,000 | 134,524,000 |
| Total loans | 99,607,000 | 102,557,000 | 106,225,000 | 107,183,000 |
| Allowance for loan losses | 1,475,000 | 1,451,000 | 1,472,000 | 1,486,000 |
| Securities available for sale | 15,824,000 | 13,581,000 | 12,648,000 | 12,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,036,000 | 106,525,000 | 106,868,000 | 108,554,000 |
| Interest-bearing deposits | 88,570,000 | 87,785,000 | 86,955,000 | 89,075,000 |
| Noninterest-bearing deposits | 18,466,000 | 18,740,000 | 19,913,000 | 19,479,000 |
| Equity capital | 11,562,000 | 11,531,000 | 11,418,000 | 11,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,520,000 | 3,033,000 | 4,566,000 | 6,138,000 |
| Interest expense | 150,000 | 283,000 | 411,000 | 576,000 |
| Net interest income | 1,370,000 | 2,750,000 | 4,155,000 | 5,562,000 |
| Noninterest income | 243,000 | 531,000 | 777,000 | 1,019,000 |
| Noninterest expense | 1,357,000 | 2,746,000 | 4,146,000 | 5,457,000 |
| Provision for loan losses | 85,000 | 166,000 | 244,000 | 358,000 |
| Pretax income | 171,000 | 369,000 | 542,000 | 766,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 171,000 | 369,000 | 542,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,227,000 | 11,257,000 | 11,204,000 | 11,428,000 |
| Total capital | 12,364,000 | 12,412,000 | 12,411,000 | 12,646,000 |
| Risk-weighted assets | 90,615,000 | 92,119,000 | 96,262,000 | 97,148,000 |