Call reports 2016
GUARDIAN BANK — 2016
What GUARDIAN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 293,689,000 | 296,135,000 | 304,661,000 | 311,345,000 |
| Total loans | 212,677,000 | 217,422,000 | 225,549,000 | 223,734,000 |
| Allowance for loan losses | 4,073,000 | 4,172,000 | 4,242,000 | 4,286,000 |
| Securities available for sale | 48,955,000 | 46,455,000 | 47,771,000 | 57,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,982,000 | 264,322,000 | 272,500,000 | 280,975,000 |
| Interest-bearing deposits | 212,736,000 | 215,081,000 | 218,887,000 | 221,496,000 |
| Noninterest-bearing deposits | 49,246,000 | 49,241,000 | 53,613,000 | 59,479,000 |
| Equity capital | 30,756,000 | 30,675,000 | 30,950,000 | 29,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,865,000 | 5,772,000 | 8,776,000 | 11,795,000 |
| Interest expense | 308,000 | 627,000 | 966,000 | 1,313,000 |
| Net interest income | 2,557,000 | 5,145,000 | 7,810,000 | 10,482,000 |
| Noninterest income | 205,000 | 440,000 | 608,000 | 783,000 |
| Noninterest expense | 1,771,000 | 3,506,000 | 5,237,000 | 6,888,000 |
| Provision for loan losses | 81,000 | 195,000 | 265,000 | 358,000 |
| Pretax income | 943,000 | 1,954,000 | 3,022,000 | 4,127,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 943,000 | 1,954,000 | 3,022,000 | 4,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,346,000 | 29,857,000 | 30,275,000 | 30,380,000 |
| Total capital | 33,042,000 | 32,593,000 | 32,949,000 | 33,025,000 |
| Risk-weighted assets | 214,276,000 | 217,420,000 | 212,377,000 | 209,932,000 |