Call reports 2008
GUARDIAN BANK — 2008
What GUARDIAN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 154,008,000 | 155,377,000 | 154,733,000 | 160,266,000 |
| Total loans | 125,087,000 | 128,152,000 | 132,660,000 | 132,504,000 |
| Allowance for loan losses | 1,554,000 | 1,611,000 | 1,638,000 | 1,754,000 |
| Securities available for sale | 8,297,000 | 7,940,000 | 7,903,000 | 9,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,998,000 | 141,946,000 | 139,743,000 | 139,969,000 |
| Interest-bearing deposits | 124,771,000 | 126,005,000 | 128,382,000 | 126,507,000 |
| Noninterest-bearing deposits | 15,227,000 | 15,940,000 | 11,361,000 | 13,462,000 |
| Equity capital | 13,216,000 | 12,750,000 | 13,028,000 | 13,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,458,000 | 4,792,000 | 7,136,000 | 9,471,000 |
| Interest expense | 1,106,000 | 2,078,000 | 3,043,000 | 3,999,000 |
| Net interest income | 1,352,000 | 2,714,000 | 4,093,000 | 5,472,000 |
| Noninterest income | 119,000 | 229,000 | 332,000 | 447,000 |
| Noninterest expense | 980,000 | 1,956,000 | 2,938,000 | 3,893,000 |
| Provision for loan losses | 45,000 | 90,000 | 113,000 | 252,000 |
| Pretax income | 446,000 | 897,000 | 1,374,000 | 1,774,000 |
| Income tax | 0 | 394,000 | 394,000 | 394,000 |
| Net income | 446,000 | 503,000 | 980,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,059,000 | 12,739,000 | 13,002,000 | 12,835,000 |
| Total capital | 14,613,000 | 14,350,000 | 14,640,000 | 14,544,000 |
| Risk-weighted assets | 135,351,000 | 132,047,000 | 132,863,000 | 136,667,000 |
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