Call reports 2020
GUARDIAN BANK — 2020
What GUARDIAN BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 435,014,000 | 457,074,000 | 453,816,000 | 468,287,000 |
| Total loans | 289,630,000 | 294,364,000 | 295,920,000 | 302,709,000 |
| Allowance for loan losses | 5,108,000 | 5,219,000 | 5,248,000 | 5,084,000 |
| Securities available for sale | 105,631,000 | 112,603,000 | 115,699,000 | 125,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,619,000 | 405,389,000 | 400,247,000 | 414,677,000 |
| Interest-bearing deposits | 310,418,000 | 315,378,000 | 314,794,000 | 335,720,000 |
| Noninterest-bearing deposits | 76,201,000 | 90,011,000 | 85,453,000 | 78,957,000 |
| Equity capital | 46,999,000 | 50,078,000 | 52,004,000 | 52,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,480,000 | 8,819,000 | 13,064,000 | 17,271,000 |
| Interest expense | 781,000 | 1,326,000 | 1,810,000 | 2,238,000 |
| Net interest income | 3,699,000 | 7,493,000 | 11,254,000 | 15,033,000 |
| Noninterest income | 423,000 | 777,000 | 1,137,000 | 1,466,000 |
| Noninterest expense | 2,487,000 | 4,942,000 | 7,365,000 | 9,602,000 |
| Provision for loan losses | 150,000 | 330,000 | 450,000 | 570,000 |
| Pretax income | 1,598,000 | 3,144,000 | 4,800,000 | 6,552,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,598,000 | 3,144,000 | 4,800,000 | 6,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,854,000 | 47,401,000 | 49,056,000 | 49,362,000 |
| Total capital | 49,267,000 | — | — | — |
| Risk-weighted assets | 271,365,000 | — | — | — |