Call reports 2019
GUARDIAN SAVINGS BANK — 2019
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 40,457,000 | 38,378,000 | 37,365,000 | 35,909,000 |
| Total loans | 12,724,000 | 12,479,000 | 12,738,000 | 12,536,000 |
| Allowance for loan losses | 38,000 | 35,000 | 35,000 | 55,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,818,000 | 17,984,000 | 17,191,000 | 16,905,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,771,000 | 27,606,000 | 27,502,000 | 27,047,000 |
| Interest-bearing deposits | 25,136,000 | 25,512,000 | 25,375,000 | 24,618,000 |
| Noninterest-bearing deposits | 2,635,000 | 2,094,000 | 2,127,000 | 2,429,000 |
| Equity capital | 7,865,000 | 7,355,000 | 7,349,000 | 7,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 299,000 | 591,000 | 877,000 | 1,147,000 |
| Interest expense | 89,000 | 179,000 | 259,000 | 330,000 |
| Net interest income | 210,000 | 412,000 | 618,000 | 817,000 |
| Noninterest income | 16,000 | 36,000 | 56,000 | 73,000 |
| Noninterest expense | 244,000 | 958,000 | 1,190,000 | 1,433,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | -18,000 | -510,000 | -516,000 | -563,000 |
| Income tax | -4,000 | 14,000 | 14,000 | 14,000 |
| Net income | -14,000 | -524,000 | -530,000 | -577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,865,000 | 7,355,000 | 7,349,000 | 7,302,000 |
| Total capital | 7,903,000 | 7,390,000 | 7,384,000 | 7,357,000 |
| Risk-weighted assets | 9,097,000 | 8,595,000 | 8,143,000 | 7,951,000 |