Call reports 2015
CITIZENS GUARANTY BANK — 2015
What CITIZENS GUARANTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 143,192,000 | 149,632,000 | 151,409,000 | 152,045,000 |
| Total loans | 118,454,000 | 121,207,000 | 124,450,000 | 124,994,000 |
| Allowance for loan losses | 1,604,000 | 1,637,000 | 1,604,000 | 1,866,000 |
| Securities available for sale | 13,180,000 | 13,115,000 | 13,239,000 | 13,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,974,000 | 120,387,000 | 123,880,000 | 123,813,000 |
| Interest-bearing deposits | 91,365,000 | 96,148,000 | 98,689,000 | 98,189,000 |
| Noninterest-bearing deposits | 22,609,000 | 24,239,000 | 25,191,000 | 25,624,000 |
| Equity capital | 11,947,000 | 11,853,000 | 11,957,000 | 12,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,590,000 | 3,231,000 | 4,946,000 | 6,689,000 |
| Interest expense | 182,000 | 397,000 | 623,000 | 857,000 |
| Net interest income | 1,408,000 | 2,834,000 | 4,323,000 | 5,832,000 |
| Noninterest income | 249,000 | 510,000 | 787,000 | 1,045,000 |
| Noninterest expense | 1,493,000 | 3,010,000 | 4,582,000 | 6,032,000 |
| Provision for loan losses | 20,000 | 60,000 | 70,000 | 477,000 |
| Pretax income | 144,000 | 274,000 | 464,000 | 735,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 144,000 | 274,000 | 464,000 | 735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,855,000 | 11,815,000 | 11,905,000 | 12,176,000 |
| Total capital | 13,151,000 | 13,210,000 | 13,323,000 | 13,608,000 |
| Risk-weighted assets | 103,374,000 | 111,397,000 | 113,322,000 | 114,161,000 |