Call reports 2015
GUARDIAN SAVINGS BANK — 2015
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 37,522,000 | 37,123,000 | 38,303,000 | 39,247,000 |
| Total loans | 10,390,000 | 10,118,000 | 10,150,000 | 10,073,000 |
| Allowance for loan losses | 40,000 | 40,000 | 40,000 | 40,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,009,000 | 19,881,000 | 20,150,000 | 20,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,946,000 | 28,854,000 | 28,539,000 | 29,388,000 |
| Interest-bearing deposits | 27,135,000 | 26,974,000 | 26,944,000 | 27,581,000 |
| Noninterest-bearing deposits | 1,811,000 | 1,880,000 | 1,595,000 | 1,807,000 |
| Equity capital | 7,836,000 | 7,855,000 | 7,874,000 | 7,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 264,000 | 522,000 | 787,000 | 1,055,000 |
| Interest expense | 38,000 | 80,000 | 121,000 | 166,000 |
| Net interest income | 226,000 | 442,000 | 666,000 | 889,000 |
| Noninterest income | 15,000 | 31,000 | 48,000 | 65,000 |
| Noninterest expense | 207,000 | 413,000 | 630,000 | 861,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 34,000 | 60,000 | 84,000 | 93,000 |
| Income tax | 8,000 | 15,000 | 20,000 | 15,000 |
| Net income | 26,000 | 45,000 | 64,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,836,000 | 7,855,000 | 7,874,000 | 7,888,000 |
| Total capital | 7,876,000 | 7,895,000 | 7,914,000 | 7,928,000 |
| Risk-weighted assets | 9,305,000 | 9,089,000 | 8,997,000 | 9,052,000 |