Call reports 2014
GUARDIAN SAVINGS BANK — 2014
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 38,619,000 | 38,747,000 | 37,618,000 | 38,176,000 |
| Total loans | 10,640,000 | 10,533,000 | 10,426,000 | 10,355,000 |
| Allowance for loan losses | 39,000 | 39,000 | 40,000 | 40,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,535,000 | 20,022,000 | 19,156,000 | 18,729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,513,000 | 29,492,000 | 28,713,000 | 28,841,000 |
| Interest-bearing deposits | 27,812,000 | 27,703,000 | 27,285,000 | 27,224,000 |
| Noninterest-bearing deposits | 1,701,000 | 1,789,000 | 1,428,000 | 1,617,000 |
| Equity capital | 7,755,000 | 7,768,000 | 7,782,000 | 7,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 517,000 | 779,000 | 1,043,000 |
| Interest expense | 37,000 | 75,000 | 113,000 | 153,000 |
| Net interest income | 219,000 | 442,000 | 666,000 | 890,000 |
| Noninterest income | 27,000 | 45,000 | 62,000 | 79,000 |
| Noninterest expense | 230,000 | 454,000 | 677,000 | 889,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 33,000 | 51,000 | 80,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 12,000 |
| Net income | 13,000 | 26,000 | 40,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,755,000 | 7,768,000 | 7,782,000 | 7,810,000 |
| Total capital | 7,794,000 | 7,807,000 | 7,822,000 | 7,850,000 |
| Risk-weighted assets | 10,727,000 | 10,618,000 | 10,640,000 | 10,769,000 |
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