Call reports 2019
GUARDIAN BANK — 2019
What GUARDIAN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 422,120,000 | 424,300,000 | 418,908,000 | 429,160,000 |
| Total loans | 274,335,000 | 274,641,000 | 269,350,000 | 286,458,000 |
| Allowance for loan losses | 5,197,000 | 5,317,000 | 5,268,000 | 5,014,000 |
| Securities available for sale | 103,098,000 | 107,249,000 | 105,690,000 | 110,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,869,000 | 378,950,000 | 372,581,000 | 382,654,000 |
| Interest-bearing deposits | 304,370,000 | 303,952,000 | 301,697,000 | 315,165,000 |
| Noninterest-bearing deposits | 75,500,000 | 74,998,000 | 70,884,000 | 67,489,000 |
| Equity capital | 40,581,000 | 43,549,000 | 44,502,000 | 44,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,419,000 | 9,008,000 | 13,480,000 | 17,905,000 |
| Interest expense | 806,000 | 1,674,000 | 2,586,000 | 3,462,000 |
| Net interest income | 3,613,000 | 7,334,000 | 10,894,000 | 14,443,000 |
| Noninterest income | 405,000 | 925,000 | 1,347,000 | 1,675,000 |
| Noninterest expense | 2,478,000 | 4,916,000 | 7,362,000 | 9,700,000 |
| Provision for loan losses | 145,000 | 291,000 | 368,000 | 383,000 |
| Pretax income | 1,396,000 | 3,054,000 | 4,528,000 | 6,056,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,396,000 | 3,054,000 | 4,528,000 | 6,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,534,000 | 43,351,000 | 44,332,000 | 44,257,000 |
| Total capital | 45,818,000 | 46,648,000 | 47,559,000 | 47,741,000 |
| Risk-weighted assets | 260,784,000 | 261,709,000 | 256,113,000 | 277,199,000 |