Call reports 2005
GUARDIAN BANK — 2005
What GUARDIAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 97,562,000 | 104,096,000 | 104,937,000 | 113,703,000 |
| Total loans | 81,253,000 | 86,313,000 | 87,396,000 | 93,542,000 |
| Allowance for loan losses | 1,083,000 | 1,122,000 | 1,162,000 | 1,185,000 |
| Securities available for sale | 7,534,000 | 7,467,000 | 7,215,000 | 7,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,130,000 | 95,257,000 | 95,758,000 | 102,908,000 |
| Interest-bearing deposits | 76,717,000 | 82,525,000 | 83,103,000 | 87,854,000 |
| Noninterest-bearing deposits | 12,413,000 | 12,732,000 | 12,655,000 | 15,054,000 |
| Equity capital | 8,040,000 | 8,371,000 | 8,631,000 | 10,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,855,000 | 4,489,000 | 6,292,000 |
| Interest expense | 401,000 | 863,000 | 1,421,000 | 2,106,000 |
| Net interest income | 964,000 | 1,992,000 | 3,068,000 | 4,186,000 |
| Noninterest income | 83,000 | 179,000 | 289,000 | 389,000 |
| Noninterest expense | 684,000 | 1,368,000 | 2,064,000 | 2,730,000 |
| Provision for loan losses | 35,000 | 74,000 | 114,000 | 204,000 |
| Pretax income | 328,000 | 729,000 | 1,179,000 | 1,641,000 |
| Income tax | 111,000 | 248,000 | 401,000 | 558,000 |
| Net income | 217,000 | 481,000 | 778,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,190,000 | 8,454,000 | 8,752,000 | 10,245,000 |
| Total capital | 9,170,000 | 9,473,000 | 9,780,000 | 11,371,000 |
| Risk-weighted assets | 78,260,000 | 81,424,000 | 82,133,000 | 90,051,000 |
Machine access — free, no API key
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