Call reports 2024
GUARDIAN BANK — 2024
What GUARDIAN BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 560,504,000 | 564,715,000 | 569,247,000 | 570,758,000 |
| Total loans | 356,212,000 | 367,922,000 | 372,611,000 | 373,524,000 |
| Allowance for loan losses | 5,748,000 | 5,490,000 | 5,555,000 | 5,593,000 |
| Securities available for sale | 157,055,000 | 159,636,000 | 158,942,000 | 156,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,825,000 | 501,953,000 | 507,184,000 | 516,915,000 |
| Interest-bearing deposits | 425,247,000 | 413,518,000 | 425,944,000 | 424,535,000 |
| Noninterest-bearing deposits | 86,578,000 | 88,435,000 | 81,240,000 | 92,380,000 |
| Equity capital | 35,329,000 | 37,384,000 | 44,423,000 | 39,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,655,000 | 13,444,000 | 20,555,000 | 27,890,000 |
| Interest expense | 3,169,000 | 6,451,000 | 9,957,000 | 13,119,000 |
| Net interest income | 3,486,000 | 6,993,000 | 10,598,000 | 14,771,000 |
| Noninterest income | 436,000 | 810,000 | 1,220,000 | 1,648,000 |
| Noninterest expense | 2,608,000 | 5,235,000 | 7,838,000 | 10,792,000 |
| Provision for loan losses | 117,000 | 156,000 | 214,000 | 254,000 |
| Pretax income | 1,195,000 | 2,409,000 | 3,748,000 | 5,354,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,195,000 | 2,409,000 | 3,748,000 | 5,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,641,000 | 60,991,000 | 61,898,000 | 61,931,000 |
| Total capital | 65,767,000 | 66,272,000 | 67,188,000 | 67,180,000 |
| Risk-weighted assets | 409,425,000 | 422,246,000 | 422,872,000 | 419,512,000 |
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