Call reports 2012
GUARDIAN SAVINGS BANK — 2012
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 39,382,000 | 39,763,000 | 37,935,000 | 39,267,000 |
| Total loans | 11,228,000 | 11,195,000 | 11,284,000 | 11,271,000 |
| Allowance for loan losses | 49,000 | 49,000 | 48,000 | 47,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,450,000 | 16,923,000 | 14,979,000 | 15,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,622,000 | 31,001,000 | 29,825,000 | 30,071,000 |
| Interest-bearing deposits | 30,068,000 | 29,278,000 | 28,258,000 | 28,494,000 |
| Noninterest-bearing deposits | 1,554,000 | 1,723,000 | 1,567,000 | 1,577,000 |
| Equity capital | 7,640,000 | 7,666,000 | 7,694,000 | 7,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 586,000 | 867,000 | 1,141,000 |
| Interest expense | 65,000 | 124,000 | 174,000 | 220,000 |
| Net interest income | 231,000 | 462,000 | 693,000 | 921,000 |
| Noninterest income | 19,000 | 41,000 | 61,000 | 78,000 |
| Noninterest expense | 216,000 | 431,000 | 641,000 | 852,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 31,000 | 69,000 | 110,000 | 144,000 |
| Income tax | 9,000 | 21,000 | 34,000 | 35,000 |
| Net income | 22,000 | 48,000 | 76,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,641,000 | 7,667,000 | 7,695,000 | 7,727,000 |
| Total capital | 7,691,000 | 7,716,000 | 7,743,000 | 7,774,000 |
| Risk-weighted assets | 11,590,000 | 11,419,000 | 11,233,000 | 11,103,000 |
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