Call reports 2013
GUARDIAN BANK — 2013
What GUARDIAN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 236,328,000 | 229,349,000 | 226,824,000 | 233,041,000 |
| Total loans | 179,591,000 | 181,357,000 | 183,006,000 | 189,182,000 |
| Allowance for loan losses | 3,686,000 | 3,356,000 | 3,345,000 | 3,507,000 |
| Securities available for sale | 26,180,000 | 27,184,000 | 28,737,000 | 31,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,868,000 | 204,355,000 | 201,531,000 | 207,657,000 |
| Interest-bearing deposits | 181,334,000 | 176,184,000 | 171,929,000 | 177,332,000 |
| Noninterest-bearing deposits | 28,534,000 | 28,171,000 | 29,601,000 | 30,325,000 |
| Equity capital | 25,828,000 | 24,275,000 | 24,457,000 | 24,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,568,000 | 5,133,000 | 7,679,000 | 10,340,000 |
| Interest expense | 335,000 | 654,000 | 960,000 | 1,265,000 |
| Net interest income | 2,233,000 | 4,479,000 | 6,719,000 | 9,075,000 |
| Noninterest income | 208,000 | 340,000 | 686,000 | 823,000 |
| Noninterest expense | 1,294,000 | 2,663,000 | 4,051,000 | 5,443,000 |
| Provision for loan losses | 162,000 | 324,000 | 486,000 | 664,000 |
| Pretax income | 985,000 | 1,832,000 | 2,868,000 | 3,791,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 985,000 | 1,832,000 | 2,868,000 | 3,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,433,000 | 24,680,000 | 25,016,000 | 25,239,000 |
| Total capital | 27,726,000 | 26,952,000 | 27,284,000 | 27,454,000 |
| Risk-weighted assets | 182,040,000 | 180,659,000 | 180,368,000 | 175,930,000 |
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