Call reports 2022
CITIZENS GUARANTY BANK — 2022
What CITIZENS GUARANTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 253,641,000 | 259,294,000 | 275,656,000 | 280,725,000 |
| Total loans | 226,561,000 | 233,357,000 | 240,595,000 | 246,729,000 |
| Allowance for loan losses | 3,170,000 | 3,133,000 | 3,245,000 | 3,081,000 |
| Securities available for sale | 13,498,000 | 14,275,000 | 19,296,000 | 15,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,765,000 | 221,172,000 | 236,544,000 | 233,587,000 |
| Interest-bearing deposits | 143,979,000 | 141,826,000 | 154,366,000 | 153,938,000 |
| Noninterest-bearing deposits | 78,786,000 | 79,346,000 | 82,178,000 | 79,649,000 |
| Equity capital | 16,215,000 | 16,203,000 | 15,695,000 | 16,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,055,000 | 6,116,000 | 9,436,000 | 12,990,000 |
| Interest expense | 200,000 | 412,000 | 762,000 | 1,284,000 |
| Net interest income | 2,855,000 | 5,704,000 | 8,674,000 | 11,706,000 |
| Noninterest income | 516,000 | 1,021,000 | 1,547,000 | 2,052,000 |
| Noninterest expense | 2,589,000 | 5,301,000 | 8,137,000 | 10,873,000 |
| Provision for loan losses | 76,000 | 136,000 | 266,000 | 326,000 |
| Pretax income | 706,000 | 1,288,000 | 1,818,000 | 2,523,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 703,000 | 1,281,000 | 1,808,000 | 2,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,720,000 | 16,958,000 | 17,090,000 | 17,264,000 |
| Total capital | 19,087,000 | 19,365,000 | 19,590,000 | 19,909,000 |
| Risk-weighted assets | 188,613,000 | 191,891,000 | 199,318,000 | 211,169,000 |