Call reports 2009
GUARDIAN BANK — 2009
What GUARDIAN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 171,341,000 | 176,724,000 | 181,635,000 | 185,262,000 |
| Total loans | 139,886,000 | 145,111,000 | 149,420,000 | 152,335,000 |
| Allowance for loan losses | 1,783,000 | 1,849,000 | 1,941,000 | 2,076,000 |
| Securities available for sale | 9,124,000 | 8,858,000 | 8,664,000 | 8,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,796,000 | 161,056,000 | 165,463,000 | 168,187,000 |
| Interest-bearing deposits | 141,906,000 | 148,481,000 | 152,404,000 | 154,633,000 |
| Noninterest-bearing deposits | 13,890,000 | 12,575,000 | 13,059,000 | 13,554,000 |
| Equity capital | 14,880,000 | 14,838,000 | 15,384,000 | 16,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,607,000 | 7,048,000 | 9,515,000 |
| Interest expense | 877,000 | 1,754,000 | 2,663,000 | 3,551,000 |
| Net interest income | 1,378,000 | 2,853,000 | 4,385,000 | 5,964,000 |
| Noninterest income | 125,000 | 223,000 | 294,000 | 412,000 |
| Noninterest expense | 1,052,000 | 2,161,000 | 3,208,000 | 4,226,000 |
| Provision for loan losses | 34,000 | 99,000 | 199,000 | 429,000 |
| Pretax income | 466,000 | 865,000 | 1,321,000 | 1,770,000 |
| Income tax | 2,000 | 14,000 | 14,000 | 14,000 |
| Net income | 464,000 | 851,000 | 1,307,000 | 1,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,799,000 | 14,794,000 | 15,251,000 | 16,199,000 |
| Total capital | 16,582,000 | 16,605,000 | 17,097,000 | 18,126,000 |
| Risk-weighted assets | 143,086,000 | 144,828,000 | 147,614,000 | 154,024,000 |
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