Call reports 2015
GUARDIAN BANK — 2015
What GUARDIAN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 282,614,000 | 287,987,000 | 285,615,000 | 288,168,000 |
| Total loans | 201,723,000 | 212,801,000 | 214,028,000 | 205,286,000 |
| Allowance for loan losses | 4,125,000 | 4,029,000 | 4,049,000 | 4,001,000 |
| Securities available for sale | 38,937,000 | 41,840,000 | 43,817,000 | 46,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,972,000 | 258,025,000 | 255,109,000 | 257,538,000 |
| Interest-bearing deposits | 204,088,000 | 200,680,000 | 204,037,000 | 209,344,000 |
| Noninterest-bearing deposits | 47,883,000 | 57,345,000 | 51,072,000 | 48,194,000 |
| Equity capital | 29,724,000 | 28,897,000 | 29,442,000 | 29,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,736,000 | 5,510,000 | 8,350,000 | 11,195,000 |
| Interest expense | 276,000 | 551,000 | 838,000 | 1,136,000 |
| Net interest income | 2,460,000 | 4,959,000 | 7,512,000 | 10,059,000 |
| Noninterest income | 397,000 | 599,000 | 844,000 | 1,050,000 |
| Noninterest expense | 1,672,000 | 3,382,000 | 5,091,000 | 6,857,000 |
| Provision for loan losses | 125,000 | 245,000 | 345,000 | 368,000 |
| Pretax income | 1,060,000 | 1,931,000 | 2,929,000 | 3,906,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,060,000 | 1,931,000 | 2,929,000 | 3,906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,357,000 | 28,829,000 | 29,127,000 | 29,571,000 |
| Total capital | 31,809,000 | 31,346,000 | 31,650,000 | 32,033,000 |
| Risk-weighted assets | 194,450,000 | 199,833,000 | 200,293,000 | 195,387,000 |