Call reports 2016
CITIZENS GUARANTY BANK — 2016
What CITIZENS GUARANTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 153,341,000 | 152,892,000 | 155,624,000 | 156,653,000 |
| Total loans | 124,649,000 | 127,949,000 | 128,815,000 | 126,963,000 |
| Allowance for loan losses | 1,862,000 | 1,911,000 | 1,925,000 | 1,841,000 |
| Securities available for sale | 14,717,000 | 13,833,000 | 13,777,000 | 13,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,384,000 | 124,905,000 | 130,552,000 | 129,049,000 |
| Interest-bearing deposits | 99,878,000 | 98,573,000 | 100,543,000 | 101,695,000 |
| Noninterest-bearing deposits | 25,506,000 | 26,332,000 | 30,009,000 | 27,354,000 |
| Equity capital | 12,342,000 | 12,322,000 | 12,301,000 | 12,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,490,000 | 5,274,000 | 7,094,000 |
| Interest expense | 240,000 | 480,000 | 729,000 | 978,000 |
| Net interest income | 1,498,000 | 3,010,000 | 4,545,000 | 6,116,000 |
| Noninterest income | 273,000 | 550,000 | 836,000 | 1,134,000 |
| Noninterest expense | 1,524,000 | 3,084,000 | 4,713,000 | 6,326,000 |
| Provision for loan losses | 14,000 | 52,000 | 100,000 | 121,000 |
| Pretax income | 233,000 | 424,000 | 567,000 | 802,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 233,000 | 424,000 | 567,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,319,000 | 12,255,000 | 12,248,000 | 12,382,000 |
| Total capital | 13,749,000 | 13,710,000 | 13,725,000 | 13,844,000 |
| Risk-weighted assets | 113,978,000 | 116,000,000 | 117,790,000 | 116,592,000 |