Call reports 2025
CITIZENS GUARANTY BANK — 2025
What CITIZENS GUARANTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 288,727,000 | 290,248,000 | 291,421,000 | 299,764,000 |
| Total loans | 265,065,000 | 261,326,000 | 267,534,000 | 272,711,000 |
| Allowance for loan losses | 3,075,000 | 3,064,000 | 3,085,000 | 3,191,000 |
| Securities available for sale | 11,328,000 | 10,862,000 | 9,656,000 | 8,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,330,000 | 256,640,000 | 256,621,000 | 260,221,000 |
| Interest-bearing deposits | 165,501,000 | 169,288,000 | 167,480,000 | 177,855,000 |
| Noninterest-bearing deposits | 88,829,000 | 87,352,000 | 89,141,000 | 82,366,000 |
| Equity capital | 23,245,000 | 23,146,000 | 23,921,000 | 25,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,530,000 | 9,272,000 | 14,078,000 | 19,072,000 |
| Interest expense | 1,144,000 | 2,275,000 | 3,408,000 | 4,538,000 |
| Net interest income | 3,386,000 | 6,997,000 | 10,670,000 | 14,534,000 |
| Noninterest income | 692,000 | 1,239,000 | 1,850,000 | 2,451,000 |
| Noninterest expense | 3,078,000 | 6,209,000 | 9,289,000 | 12,252,000 |
| Provision for loan losses | 104,000 | 234,000 | 394,000 | 564,000 |
| Pretax income | 896,000 | 1,793,000 | 2,837,000 | 4,031,000 |
| Income tax | 0 | 12,000 | 16,000 | 21,000 |
| Net income | 896,000 | 1,781,000 | 2,821,000 | 4,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,687,000 | 23,511,000 | 24,194,000 | 25,283,000 |
| Total capital | 26,398,000 | 26,181,000 | 26,903,000 | 28,071,000 |
| Risk-weighted assets | 216,529,000 | 213,238,000 | 216,393,000 | 222,576,000 |