Call reports 2025
GUARDIAN BANK — 2025
What GUARDIAN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 590,758,000 | 566,736,000 | 576,762,000 | 590,895,000 |
| Total loans | 366,135,000 | 355,728,000 | 363,532,000 | 366,953,000 |
| Allowance for loan losses | 5,647,000 | 5,636,000 | 5,690,000 | 5,703,000 |
| Securities available for sale | 165,337,000 | 167,776,000 | 170,577,000 | 177,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,740,000 | 509,415,000 | 511,349,000 | 525,466,000 |
| Interest-bearing deposits | 442,604,000 | 419,693,000 | 422,375,000 | 428,961,000 |
| Noninterest-bearing deposits | 92,136,000 | 89,722,000 | 88,974,000 | 96,505,000 |
| Equity capital | 43,923,000 | 45,068,000 | 50,778,000 | 50,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,451,000 | 14,863,000 | 22,262,000 | 29,825,000 |
| Interest expense | 3,091,000 | 6,026,000 | 8,935,000 | 11,725,000 |
| Net interest income | 4,360,000 | 8,837,000 | 13,327,000 | 18,100,000 |
| Noninterest income | 374,000 | 1,020,000 | 1,675,000 | 2,108,000 |
| Noninterest expense | 2,697,000 | 5,707,000 | 8,618,000 | 11,611,000 |
| Provision for loan losses | 58,000 | 117,000 | 171,000 | 186,000 |
| Pretax income | 1,977,000 | 4,023,000 | 6,187,000 | 8,383,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,977,000 | 4,023,000 | 6,187,000 | 8,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,908,000 | 65,090,000 | 66,822,000 | 66,155,000 |
| Total capital | 68,918,000 | 70,004,000 | 71,793,000 | — |
| Risk-weighted assets | 400,085,000 | 392,378,000 | 396,896,000 | — |
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