Call reports 2023
CITIZENS GUARANTY BANK — 2023
What CITIZENS GUARANTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 292,473,000 | 287,500,000 | 278,085,000 | 277,636,000 |
| Total loans | 245,760,000 | 243,492,000 | 244,807,000 | 250,208,000 |
| Allowance for loan losses | 3,107,000 | 3,033,000 | 2,988,000 | 3,002,000 |
| Securities available for sale | 14,873,000 | 14,470,000 | 13,842,000 | 13,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,116,000 | 249,563,000 | 246,598,000 | 243,511,000 |
| Interest-bearing deposits | 166,656,000 | 167,952,000 | 161,011,000 | 162,801,000 |
| Noninterest-bearing deposits | 83,460,000 | 81,611,000 | 85,587,000 | 80,710,000 |
| Equity capital | 18,788,000 | 19,042,000 | 19,456,000 | 20,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,590,000 | 7,469,000 | 11,433,000 | 15,503,000 |
| Interest expense | 765,000 | 1,686,000 | 2,685,000 | 3,796,000 |
| Net interest income | 2,825,000 | 5,783,000 | 8,748,000 | 11,707,000 |
| Noninterest income | 588,000 | 1,133,000 | 1,717,000 | 2,257,000 |
| Noninterest expense | 2,921,000 | 5,931,000 | 8,847,000 | 11,495,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 308,000 |
| Pretax income | 462,000 | 955,000 | 1,588,000 | 2,161,000 |
| Income tax | 1,000 | 8,000 | 11,000 | 15,000 |
| Net income | 461,000 | 947,000 | 1,577,000 | 2,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,683,000 | 20,062,000 | 20,693,000 | 21,201,000 |
| Total capital | 22,325,000 | 22,696,000 | 23,244,000 | 23,792,000 |
| Risk-weighted assets | 210,934,000 | 210,325,000 | 203,678,000 | 206,933,000 |