Call reports 2022
GUARDIAN BANK — 2022
What GUARDIAN BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 544,772,000 | 539,124,000 | 531,624,000 | 537,854,000 |
| Total loans | 316,252,000 | 319,074,000 | 333,264,000 | 333,959,000 |
| Allowance for loan losses | 5,302,000 | 5,423,000 | 5,471,000 | 5,515,000 |
| Securities available for sale | 171,068,000 | 171,406,000 | 165,616,000 | 162,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,139,000 | 505,724,000 | 481,726,000 | 506,271,000 |
| Interest-bearing deposits | 384,430,000 | 409,061,000 | 387,494,000 | 405,736,000 |
| Noninterest-bearing deposits | 115,709,000 | 96,663,000 | 94,232,000 | 100,535,000 |
| Equity capital | 43,426,000 | 31,967,000 | 30,702,000 | 29,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,166,000 | 8,525,000 | 13,316,000 | 18,469,000 |
| Interest expense | 232,000 | 494,000 | 951,000 | 1,982,000 |
| Net interest income | 3,934,000 | 8,031,000 | 12,365,000 | 16,487,000 |
| Noninterest income | 420,000 | 885,000 | 1,313,000 | 1,742,000 |
| Noninterest expense | 2,433,000 | 4,944,000 | 7,516,000 | 10,057,000 |
| Provision for loan losses | 106,000 | 225,000 | 369,000 | 422,000 |
| Pretax income | 1,815,000 | 3,754,000 | 5,797,000 | 7,754,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,815,000 | 3,754,000 | 5,797,000 | 7,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,417,000 | 55,492,000 | 57,103,000 | 56,433,000 |
| Total capital | 58,493,000 | 59,624,000 | 61,640,000 | 60,789,000 |
| Risk-weighted assets | 324,853,000 | 329,291,000 | 362,024,000 | 347,322,000 |