Call reports 2007
GUARDIAN BANK — 2007
What GUARDIAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 137,317,000 | 141,346,000 | 140,875,000 | 144,670,000 |
| Total loans | 114,023,000 | 116,466,000 | 116,769,000 | 119,546,000 |
| Allowance for loan losses | 1,411,000 | 1,469,000 | 1,504,000 | 1,510,000 |
| Securities available for sale | 6,723,000 | 6,624,000 | 6,586,000 | 7,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,508,000 | 129,168,000 | 128,211,000 | 132,172,000 |
| Interest-bearing deposits | 109,889,000 | 114,156,000 | 114,221,000 | 117,798,000 |
| Noninterest-bearing deposits | 15,619,000 | 15,012,000 | 13,990,000 | 14,374,000 |
| Equity capital | 11,072,000 | 11,358,000 | 11,690,000 | 11,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,470,000 | 5,086,000 | 7,741,000 | 10,377,000 |
| Interest expense | 1,224,000 | 2,519,000 | 3,857,000 | 5,163,000 |
| Net interest income | 1,246,000 | 2,567,000 | 3,884,000 | 5,214,000 |
| Noninterest income | 114,000 | 234,000 | 363,000 | 480,000 |
| Noninterest expense | 913,000 | 1,822,000 | 2,764,000 | 3,724,000 |
| Provision for loan losses | 35,000 | 94,000 | 134,000 | 179,000 |
| Pretax income | 412,000 | 885,000 | 1,349,000 | 1,791,000 |
| Income tax | 156,000 | 336,000 | 512,000 | 680,000 |
| Net income | 256,000 | 549,000 | 837,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,148,000 | 11,442,000 | 11,730,000 | 11,613,000 |
| Total capital | 12,559,000 | 12,911,000 | 13,234,000 | 13,123,000 |
| Risk-weighted assets | 122,121,000 | 125,990,000 | 125,459,000 | 128,903,000 |
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