Call reports 2016
GUARDIAN SAVINGS BANK — 2016
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 40,147,000 | 40,457,000 | 39,929,000 | 41,132,000 |
| Total loans | 10,064,000 | 10,379,000 | 10,246,000 | 11,097,000 |
| Allowance for loan losses | 40,000 | 40,000 | 40,000 | 45,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,207,000 | 21,929,000 | 21,760,000 | 21,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,240,000 | 30,068,000 | 29,864,000 | 29,572,000 |
| Interest-bearing deposits | 28,140,000 | 28,069,000 | 27,942,000 | 27,447,000 |
| Noninterest-bearing deposits | 2,100,000 | 1,999,000 | 1,922,000 | 2,125,000 |
| Equity capital | 7,907,000 | 7,915,000 | 7,918,000 | 7,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 266,000 | 535,000 | 798,000 | 1,061,000 |
| Interest expense | 48,000 | 97,000 | 148,000 | 200,000 |
| Net interest income | 218,000 | 438,000 | 650,000 | 861,000 |
| Noninterest income | 28,000 | 45,000 | 60,000 | 76,000 |
| Noninterest expense | 224,000 | 452,000 | 676,000 | 901,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 22,000 | 31,000 | 34,000 | 30,000 |
| Income tax | 3,000 | 4,000 | 4,000 | 1,000 |
| Net income | 19,000 | 27,000 | 30,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,907,000 | 7,915,000 | 7,918,000 | 7,917,000 |
| Total capital | 7,947,000 | 7,955,000 | 7,958,000 | 7,962,000 |
| Risk-weighted assets | 8,893,000 | 8,857,000 | 8,644,000 | 8,653,000 |
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