Call reports 2023
GUARDIAN BANK — 2023
What GUARDIAN BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 540,429,000 | 525,716,000 | 537,388,000 | 555,242,000 |
| Total loans | 329,604,000 | 327,812,000 | 338,446,000 | 361,521,000 |
| Allowance for loan losses | 5,556,000 | 5,556,000 | 5,557,000 | 5,639,000 |
| Securities available for sale | 161,626,000 | 155,673,000 | 150,242,000 | 157,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,703,000 | 486,887,000 | 491,013,000 | 505,996,000 |
| Interest-bearing deposits | 397,360,000 | 386,682,000 | 392,678,000 | 416,151,000 |
| Noninterest-bearing deposits | 98,343,000 | 100,205,000 | 98,335,000 | 89,845,000 |
| Equity capital | 33,107,000 | 33,023,000 | 29,916,000 | 35,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,229,000 | 10,733,000 | 16,444,000 | 22,799,000 |
| Interest expense | 1,430,000 | 3,293,000 | 5,645,000 | 8,604,000 |
| Net interest income | 3,799,000 | 7,440,000 | 10,799,000 | 14,195,000 |
| Noninterest income | 475,000 | 943,000 | 1,409,000 | 1,822,000 |
| Noninterest expense | 2,585,000 | 5,180,000 | 7,783,000 | 10,249,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 122,000 |
| Pretax income | 1,649,000 | 3,137,000 | 4,359,000 | 5,620,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,649,000 | 3,137,000 | 4,359,000 | 5,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,994,000 | 59,052,000 | 59,842,000 | 59,446,000 |
| Total capital | 62,326,000 | 63,202,000 | 64,200,000 | 64,531,000 |
| Risk-weighted assets | 345,348,000 | 330,478,000 | 347,336,000 | 406,208,000 |
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