Call reports 2021
GUARDIAN SAVINGS BANK — 2021
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 36,440,000 | 36,583,000 | 36,549,000 | 35,851,000 |
| Total loans | 15,995,000 | 15,283,000 | 15,117,000 | 14,942,000 |
| Allowance for loan losses | 69,000 | 69,000 | 69,000 | 73,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,404,000 | 11,021,000 | 10,864,000 | 12,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,944,000 | 29,228,000 | 29,222,000 | 28,672,000 |
| Interest-bearing deposits | 25,799,000 | 26,325,000 | 26,506,000 | 25,992,000 |
| Noninterest-bearing deposits | 3,145,000 | 2,903,000 | 2,716,000 | 2,680,000 |
| Equity capital | 6,764,000 | 6,750,000 | 6,733,000 | 6,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 507,000 | 742,000 | 960,000 |
| Interest expense | 43,000 | 79,000 | 109,000 | 137,000 |
| Net interest income | 227,000 | 428,000 | 633,000 | 823,000 |
| Noninterest income | 18,000 | 41,000 | 65,000 | 89,000 |
| Noninterest expense | 251,000 | 490,000 | 734,000 | 978,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | -6,000 | -21,000 | -36,000 | -70,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -6,000 | -21,000 | -36,000 | -70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,764,000 | 6,750,000 | 6,733,000 | 6,699,000 |