Call reports 2020
GUARDIAN SAVINGS BANK — 2020
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 35,250,000 | 38,683,000 | 37,168,000 | 36,541,000 |
| Total loans | 12,481,000 | 15,604,000 | 15,238,000 | 15,552,000 |
| Allowance for loan losses | 53,000 | 53,000 | 53,000 | 69,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,695,000 | 14,331,000 | 13,041,000 | 12,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,024,000 | 27,324,000 | 27,046,000 | 27,923,000 |
| Interest-bearing deposits | 24,430,000 | 24,754,000 | 24,447,000 | 24,879,000 |
| Noninterest-bearing deposits | 2,594,000 | 2,570,000 | 2,599,000 | 3,044,000 |
| Equity capital | 7,248,000 | 7,245,000 | 6,883,000 | 6,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 275,000 | 537,000 | 807,000 | 1,047,000 |
| Interest expense | 67,000 | 129,000 | 185,000 | 234,000 |
| Net interest income | 208,000 | 408,000 | 622,000 | 813,000 |
| Noninterest income | 17,000 | 33,000 | 51,000 | 71,000 |
| Noninterest expense | 279,000 | 498,000 | 643,000 | 952,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | -54,000 | -57,000 | 30,000 | -83,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -54,000 | -57,000 | 30,000 | -83,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,248,000 | 7,245,000 | 6,883,000 | 6,769,000 |
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