Call reports 2021
CITIZENS GUARANTY BANK — 2021
What CITIZENS GUARANTY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 235,038,000 | 242,123,000 | 255,303,000 | 248,211,000 |
| Total loans | 201,358,000 | 208,793,000 | 214,331,000 | 222,536,000 |
| Allowance for loan losses | 2,762,000 | 2,845,000 | 2,948,000 | 3,095,000 |
| Securities available for sale | 14,659,000 | 14,599,000 | 15,362,000 | 14,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,100,000 | 210,873,000 | 223,383,000 | 218,288,000 |
| Interest-bearing deposits | 135,848,000 | 139,007,000 | 148,526,000 | 145,923,000 |
| Noninterest-bearing deposits | 67,252,000 | 71,866,000 | 74,857,000 | 72,365,000 |
| Equity capital | 14,944,000 | 15,140,000 | 15,679,000 | 16,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,721,000 | 5,562,000 | 8,784,000 | 11,994,000 |
| Interest expense | 331,000 | 654,000 | 935,000 | 1,170,000 |
| Net interest income | 2,390,000 | 4,908,000 | 7,849,000 | 10,824,000 |
| Noninterest income | 445,000 | 920,000 | 1,434,000 | 1,895,000 |
| Noninterest expense | 2,317,000 | 4,663,000 | 7,162,000 | 9,622,000 |
| Provision for loan losses | 150,000 | 225,000 | 325,000 | 488,000 |
| Pretax income | 368,000 | 953,000 | 1,809,000 | 2,622,000 |
| Income tax | 3,000 | 6,000 | 10,000 | 13,000 |
| Net income | 365,000 | 947,000 | 1,799,000 | 2,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,546,000 | 14,803,000 | 15,385,000 | 16,195,000 |
| Total capital | 16,657,000 | 16,942,000 | 17,599,000 | 18,493,000 |
| Risk-weighted assets | 168,257,000 | 170,455,000 | 176,395,000 | 183,099,000 |