Call reports 2018
CITIZENS GUARANTY BANK — 2018
What CITIZENS GUARANTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 162,679,000 | 168,826,000 | 162,285,000 | 169,722,000 |
| Total loans | 134,726,000 | 137,110,000 | 140,129,000 | 149,676,000 |
| Allowance for loan losses | 1,846,000 | 1,921,000 | 1,918,000 | 2,022,000 |
| Securities available for sale | 12,603,000 | 11,658,000 | 11,803,000 | 11,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,221,000 | 140,868,000 | 132,947,000 | 137,061,000 |
| Interest-bearing deposits | 102,734,000 | 107,662,000 | 99,478,000 | 102,778,000 |
| Noninterest-bearing deposits | 32,487,000 | 33,206,000 | 33,469,000 | 34,283,000 |
| Equity capital | 12,525,000 | 12,765,000 | 12,940,000 | 13,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 3,943,000 | 6,094,000 | 8,352,000 |
| Interest expense | 291,000 | 598,000 | 932,000 | 1,336,000 |
| Net interest income | 1,620,000 | 3,345,000 | 5,162,000 | 7,016,000 |
| Noninterest income | 317,000 | 704,000 | 1,001,000 | 1,277,000 |
| Noninterest expense | 1,749,000 | 3,423,000 | 5,173,000 | 6,757,000 |
| Provision for loan losses | 10,000 | 120,000 | 155,000 | 325,000 |
| Pretax income | 178,000 | 506,000 | 835,000 | 1,211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 506,000 | 835,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,676,000 | 12,891,000 | 13,090,000 | 13,364,000 |
| Total capital | 14,222,000 | 14,489,000 | 14,684,000 | 15,052,000 |
| Risk-weighted assets | 123,455,000 | 127,520,000 | 127,229,000 | 134,706,000 |