Call reports 2021
GUARDIAN BANK — 2021
What GUARDIAN BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 485,299,000 | 499,410,000 | 508,390,000 | 515,587,000 |
| Total loans | 301,057,000 | 303,717,000 | 309,218,000 | 326,245,000 |
| Allowance for loan losses | 5,176,000 | 5,097,000 | 5,150,000 | 5,195,000 |
| Securities available for sale | 140,535,000 | 151,149,000 | 160,645,000 | 161,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,406,000 | 445,429,000 | 452,527,000 | 462,541,000 |
| Interest-bearing deposits | 345,662,000 | 355,949,000 | 362,445,000 | 366,383,000 |
| Noninterest-bearing deposits | 87,744,000 | 89,480,000 | 90,083,000 | 96,158,000 |
| Equity capital | 50,691,000 | 52,643,000 | 54,415,000 | 51,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,101,000 | 8,206,000 | 12,377,000 | 16,627,000 |
| Interest expense | 388,000 | 723,000 | 1,006,000 | 1,257,000 |
| Net interest income | 3,713,000 | 7,483,000 | 11,371,000 | 15,370,000 |
| Noninterest income | 406,000 | 865,000 | 1,286,000 | 1,655,000 |
| Noninterest expense | 2,378,000 | 4,866,000 | 7,322,000 | 9,791,000 |
| Provision for loan losses | 120,000 | 130,000 | 183,000 | 286,000 |
| Pretax income | 1,626,000 | 3,379,000 | 5,212,000 | 7,043,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,626,000 | 3,379,000 | 5,212,000 | 7,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,751,000 | 52,643,000 | 53,085,000 | 52,602,000 |
| Total capital | — | — | — | 56,438,000 |
| Risk-weighted assets | — | — | — | 305,549,000 |