Call reports 2017
CITIZENS GUARANTY BANK — 2017
What CITIZENS GUARANTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 158,565,000 | 157,160,000 | 156,694,000 | 159,905,000 |
| Total loans | 128,749,000 | 130,601,000 | 131,901,000 | 135,305,000 |
| Allowance for loan losses | 1,822,000 | 1,863,000 | 1,816,000 | 1,817,000 |
| Securities available for sale | 14,057,000 | 14,580,000 | 14,577,000 | 14,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,452,000 | 129,650,000 | 129,952,000 | 132,024,000 |
| Interest-bearing deposits | 101,298,000 | 100,119,000 | 100,183,000 | 101,735,000 |
| Noninterest-bearing deposits | 30,154,000 | 29,531,000 | 29,769,000 | 30,289,000 |
| Equity capital | 12,155,000 | 12,401,000 | 12,504,000 | 12,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,736,000 | 3,572,000 | 5,463,000 | 7,441,000 |
| Interest expense | 253,000 | 511,000 | 772,000 | 1,059,000 |
| Net interest income | 1,483,000 | 3,061,000 | 4,691,000 | 6,382,000 |
| Noninterest income | 277,000 | 597,000 | 894,000 | 1,205,000 |
| Noninterest expense | 1,654,000 | 3,259,000 | 4,942,000 | 6,660,000 |
| Provision for loan losses | 10,000 | 40,000 | 60,000 | 110,000 |
| Pretax income | 96,000 | 360,000 | 584,000 | 818,000 |
| Income tax | -1,000 | -1,000 | -1,000 | -1,000 |
| Net income | 97,000 | 361,000 | 585,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,199,000 | 12,398,000 | 12,494,000 | 12,728,000 |
| Total capital | 13,679,000 | 13,889,000 | 14,002,000 | 14,278,000 |
| Risk-weighted assets | 118,095,000 | 118,921,000 | 120,371,000 | 123,802,000 |