Call reports 2012
GUARDIAN BANK — 2012
What GUARDIAN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 227,705,000 | 226,974,000 | 227,842,000 | 233,155,000 |
| Total loans | 173,441,000 | 177,260,000 | 179,017,000 | 183,167,000 |
| Allowance for loan losses | 3,212,000 | 3,393,000 | 3,207,000 | 3,523,000 |
| Securities available for sale | 34,978,000 | 35,064,000 | 30,314,000 | 24,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,398,000 | 201,341,000 | 201,950,000 | 207,444,000 |
| Interest-bearing deposits | 173,889,000 | 174,923,000 | 174,583,000 | 174,090,000 |
| Noninterest-bearing deposits | 28,509,000 | 26,418,000 | 27,367,000 | 33,354,000 |
| Equity capital | 24,571,000 | 24,851,000 | 25,079,000 | 24,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,327,000 | 7,961,000 | 10,726,000 |
| Interest expense | 495,000 | 941,000 | 1,358,000 | 1,746,000 |
| Net interest income | 2,146,000 | 4,386,000 | 6,603,000 | 8,980,000 |
| Noninterest income | 126,000 | 176,000 | 314,000 | 441,000 |
| Noninterest expense | 1,306,000 | 2,623,000 | 3,993,000 | 5,328,000 |
| Provision for loan losses | 237,000 | 381,000 | 547,000 | 879,000 |
| Pretax income | 749,000 | 1,578,000 | 2,418,000 | 3,312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 749,000 | 1,578,000 | 2,418,000 | 3,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,185,000 | 24,314,000 | 24,454,000 | 24,448,000 |
| Total capital | 26,364,000 | 26,411,000 | 26,621,000 | 26,781,000 |
| Risk-weighted assets | 173,287,000 | 166,490,000 | 172,301,000 | 185,458,000 |