Call reports 2018
GUARDIAN SAVINGS BANK — 2018
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 39,124,000 | 38,529,000 | 37,196,000 | 39,866,000 |
| Total loans | 11,016,000 | 11,615,000 | 11,478,000 | 11,742,000 |
| Allowance for loan losses | 40,000 | 39,000 | 37,000 | 37,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,458,000 | 20,817,000 | 19,676,000 | 20,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,608,000 | 29,099,000 | 27,513,000 | 27,494,000 |
| Interest-bearing deposits | 27,564,000 | 27,084,000 | 25,753,000 | 25,647,000 |
| Noninterest-bearing deposits | 2,044,000 | 2,015,000 | 1,760,000 | 1,847,000 |
| Equity capital | 7,956,000 | 7,926,000 | 7,913,000 | 7,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 271,000 | 630,000 | 811,000 | 1,092,000 |
| Interest expense | 59,000 | 136,000 | 178,000 | 250,000 |
| Net interest income | 212,000 | 494,000 | 633,000 | 842,000 |
| Noninterest income | 14,000 | 36,000 | 50,000 | 68,000 |
| Noninterest expense | 253,000 | 595,000 | 764,000 | 1,034,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -2,000 | -40,000 | -56,000 | -99,000 |
| Income tax | -1,000 | -9,000 | -12,000 | -21,000 |
| Net income | -1,000 | -31,000 | -44,000 | -78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,956,000 | 7,926,000 | 7,913,000 | 7,879,000 |
| Total capital | 7,996,000 | 7,965,000 | 7,950,000 | 7,916,000 |
| Risk-weighted assets | 8,287,000 | 8,185,000 | 8,106,000 | 8,413,000 |