Call reports 2014
CITIZENS GUARANTY BANK — 2014
What CITIZENS GUARANTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 136,269,000 | 135,629,000 | 135,721,000 | 139,201,000 |
| Total loans | 110,339,000 | 112,405,000 | 114,364,000 | 117,642,000 |
| Allowance for loan losses | 1,471,000 | 1,517,000 | 1,557,000 | 1,603,000 |
| Securities available for sale | 13,863,000 | 14,929,000 | 14,477,000 | 13,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,689,000 | 108,963,000 | 104,976,000 | 106,712,000 |
| Interest-bearing deposits | 88,718,000 | 87,621,000 | 83,973,000 | 87,052,000 |
| Noninterest-bearing deposits | 20,971,000 | 21,342,000 | 21,003,000 | 19,660,000 |
| Equity capital | 11,673,000 | 11,741,000 | 11,782,000 | 11,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,516,000 | 3,080,000 | 4,665,000 | 6,201,000 |
| Interest expense | 158,000 | 315,000 | 478,000 | 643,000 |
| Net interest income | 1,358,000 | 2,765,000 | 4,187,000 | 5,558,000 |
| Noninterest income | 247,000 | 498,000 | 764,000 | 1,024,000 |
| Noninterest expense | 1,433,000 | 2,922,000 | 4,394,000 | 5,808,000 |
| Provision for loan losses | 3,000 | 53,000 | 108,000 | 208,000 |
| Pretax income | 170,000 | 358,000 | 519,000 | 636,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 170,000 | 358,000 | 519,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,473,000 | 11,601,000 | 11,693,000 | 11,756,000 |
| Total capital | 12,725,000 | 12,871,000 | 12,984,000 | 13,072,000 |
| Risk-weighted assets | 99,930,000 | 101,386,000 | 102,981,000 | 105,009,000 |