Call reports 2017
GUARDIAN SAVINGS BANK — 2017
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 41,784,000 | 41,111,000 | 40,382,000 | 40,232,000 |
| Total loans | 10,685,000 | 10,921,000 | 10,795,000 | 11,115,000 |
| Allowance for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,083,000 | 22,350,000 | 22,172,000 | 21,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,545,000 | 30,175,000 | 29,817,000 | 29,988,000 |
| Interest-bearing deposits | 28,279,000 | 28,005,000 | 27,699,000 | 28,022,000 |
| Noninterest-bearing deposits | 2,266,000 | 2,170,000 | 2,118,000 | 1,966,000 |
| Equity capital | 7,931,000 | 7,954,000 | 7,959,000 | 7,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 267,000 | 548,000 | 822,000 | 1,098,000 |
| Interest expense | 54,000 | 112,000 | 170,000 | 230,000 |
| Net interest income | 213,000 | 436,000 | 652,000 | 868,000 |
| Noninterest income | 14,000 | 33,000 | 49,000 | 66,000 |
| Noninterest expense | 210,000 | 424,000 | 652,000 | 892,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 45,000 | 49,000 | 42,000 |
| Income tax | 3,000 | 8,000 | 7,000 | 2,000 |
| Net income | 14,000 | 37,000 | 42,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,931,000 | 7,954,000 | 7,959,000 | 7,957,000 |
| Total capital | 7,976,000 | 7,999,000 | 8,004,000 | 8,002,000 |
| Risk-weighted assets | 8,231,000 | 8,176,000 | 8,032,000 | 8,055,000 |