Call reports 2018
GUARDIAN BANK — 2018
What GUARDIAN BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 409,738,000 | 399,145,000 | 409,849,000 | 408,966,000 |
| Total loans | 265,453,000 | 265,345,000 | 271,135,000 | 274,682,000 |
| Allowance for loan losses | 4,803,000 | 5,071,000 | 5,122,000 | 5,060,000 |
| Securities available for sale | 105,079,000 | 102,092,000 | 99,926,000 | 99,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,548,000 | 361,584,000 | 364,728,000 | 369,628,000 |
| Interest-bearing deposits | 299,567,000 | 291,090,000 | 294,302,000 | 294,071,000 |
| Noninterest-bearing deposits | 72,981,000 | 70,494,000 | 70,426,000 | 75,557,000 |
| Equity capital | 36,048,000 | 36,156,000 | 36,655,000 | 37,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,063,000 | 8,264,000 | 12,482,000 | 16,867,000 |
| Interest expense | 467,000 | 981,000 | 1,590,000 | 2,336,000 |
| Net interest income | 3,596,000 | 7,283,000 | 10,892,000 | 14,531,000 |
| Noninterest income | 385,000 | 775,000 | 1,175,000 | 1,584,000 |
| Noninterest expense | 2,503,000 | 4,930,000 | 7,339,000 | 9,788,000 |
| Provision for loan losses | 143,000 | 289,000 | 434,000 | 565,000 |
| Pretax income | 1,335,000 | 2,824,000 | 4,279,000 | 5,705,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,335,000 | 2,824,000 | 4,279,000 | 5,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,749,000 | 40,325,000 | 41,283,000 | 41,138,000 |
| Total capital | 43,084,000 | 43,456,000 | 44,716,000 | 44,386,000 |
| Risk-weighted assets | 265,309,000 | 248,543,000 | 272,968,000 | 257,993,000 |