Call reports 2020
CITIZENS GUARANTY BANK — 2020
What CITIZENS GUARANTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 210,990,000 | 216,661,000 | 217,422,000 | 219,876,000 |
| Total loans | 173,904,000 | 174,938,000 | 182,278,000 | 189,973,000 |
| Allowance for loan losses | 2,433,000 | 2,438,000 | 2,471,000 | 2,611,000 |
| Securities available for sale | 17,793,000 | 15,002,000 | 13,595,000 | 12,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,965,000 | 182,963,000 | 184,305,000 | 187,808,000 |
| Interest-bearing deposits | 131,460,000 | 126,262,000 | 127,229,000 | 129,210,000 |
| Noninterest-bearing deposits | 46,505,000 | 56,701,000 | 57,076,000 | 58,598,000 |
| Equity capital | 13,997,000 | 14,381,000 | 14,601,000 | 14,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,686,000 | 5,353,000 | 7,982,000 | 10,730,000 |
| Interest expense | 628,000 | 1,131,000 | 1,539,000 | 1,910,000 |
| Net interest income | 2,058,000 | 4,222,000 | 6,443,000 | 8,820,000 |
| Noninterest income | 560,000 | 926,000 | 1,335,000 | 1,748,000 |
| Noninterest expense | 2,121,000 | 4,234,000 | 6,436,000 | 8,451,000 |
| Provision for loan losses | 140,000 | 160,000 | 185,000 | 410,000 |
| Pretax income | 367,000 | 764,000 | 1,167,000 | 1,717,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 367,000 | 764,000 | 1,167,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,554,000 | 13,877,000 | 14,099,000 | 14,516,000 |
| Total capital | 15,466,000 | 15,748,000 | 16,068,000 | 16,517,000 |
| Risk-weighted assets | 152,481,000 | 149,181,000 | 157,060,000 | 159,508,000 |