Call reports 2019
CITIZENS GUARANTY BANK — 2019
What CITIZENS GUARANTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 198,910,000 | 202,222,000 | 200,016,000 | 197,606,000 |
| Total loans | 153,458,000 | 155,319,000 | 164,072,000 | 169,639,000 |
| Allowance for loan losses | 2,018,000 | 2,036,000 | 2,084,000 | 2,307,000 |
| Securities available for sale | 17,625,000 | 21,062,000 | 21,867,000 | 19,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,586,000 | 172,259,000 | 170,028,000 | 167,658,000 |
| Interest-bearing deposits | 127,413,000 | 129,406,000 | 126,278,000 | 123,120,000 |
| Noninterest-bearing deposits | 39,173,000 | 42,853,000 | 43,750,000 | 44,538,000 |
| Equity capital | 13,356,000 | 13,448,000 | 13,501,000 | 13,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,408,000 | 4,980,000 | 7,670,000 | 10,385,000 |
| Interest expense | 617,000 | 1,322,000 | 2,024,000 | 2,667,000 |
| Net interest income | 1,791,000 | 3,658,000 | 5,646,000 | 7,718,000 |
| Noninterest income | 308,000 | 664,000 | 999,000 | 1,312,000 |
| Noninterest expense | 1,874,000 | 3,820,000 | 5,802,000 | 7,567,000 |
| Provision for loan losses | 14,000 | 44,000 | 139,000 | 459,000 |
| Pretax income | 211,000 | 458,000 | 704,000 | 1,004,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 458,000 | 704,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,323,000 | 13,231,000 | 13,267,000 | 13,527,000 |
| Total capital | 15,113,000 | 15,045,000 | 15,139,000 | 15,405,000 |
| Risk-weighted assets | 143,004,000 | 144,943,000 | 149,563,000 | 149,861,000 |