Call reports 2024
CITIZENS GUARANTY BANK — 2024
What CITIZENS GUARANTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 287,535,000 | 286,874,000 | 288,364,000 | 284,415,000 |
| Total loans | 252,091,000 | 253,306,000 | 254,434,000 | 260,360,000 |
| Allowance for loan losses | 3,078,000 | 3,090,000 | 3,005,000 | 3,017,000 |
| Securities available for sale | 13,400,000 | 13,219,000 | 12,928,000 | 11,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,761,000 | 255,055,000 | 255,900,000 | 251,478,000 |
| Interest-bearing deposits | 164,766,000 | 162,978,000 | 165,150,000 | 166,989,000 |
| Noninterest-bearing deposits | 89,995,000 | 92,077,000 | 90,750,000 | 84,489,000 |
| Equity capital | 20,638,000 | 20,810,000 | 21,575,000 | 22,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,101,000 | 8,442,000 | 12,940,000 | 17,508,000 |
| Interest expense | 1,200,000 | 2,379,000 | 3,534,000 | 4,691,000 |
| Net interest income | 2,901,000 | 6,063,000 | 9,406,000 | 12,817,000 |
| Noninterest income | 624,000 | 1,224,000 | 1,826,000 | 2,437,000 |
| Noninterest expense | 2,898,000 | 5,860,000 | 8,820,000 | 11,623,000 |
| Provision for loan losses | 65,000 | 215,000 | 395,000 | 515,000 |
| Pretax income | 562,000 | 1,212,000 | 2,017,000 | 3,116,000 |
| Income tax | 0 | 11,000 | 16,000 | 20,000 |
| Net income | 562,000 | 1,201,000 | 2,001,000 | 3,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,465,000 | 21,591,000 | 22,027,000 | 22,911,000 |
| Total capital | 24,080,000 | 24,191,000 | 24,638,000 | 25,571,000 |
| Risk-weighted assets | 208,766,000 | 207,545,000 | 208,490,000 | 212,449,000 |