Call reports 2023
GUARDIAN SAVINGS BANK — 2023
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 35,355,000 | 32,860,000 | 32,306,000 | 31,675,000 |
| Total loans | 14,502,000 | 14,437,000 | 14,759,000 | 15,051,000 |
| Allowance for loan losses | 69,000 | 69,000 | 69,000 | 69,000 |
| Securities available for sale | 13,236,000 | 12,854,000 | 12,043,000 | 12,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,270,000 | 26,710,000 | 26,541,000 | 25,448,000 |
| Interest-bearing deposits | 24,707,000 | 24,206,000 | 23,989,000 | 21,060,000 |
| Noninterest-bearing deposits | 2,563,000 | 2,504,000 | 2,552,000 | 4,388,000 |
| Equity capital | 5,983,000 | 5,895,000 | 5,466,000 | 5,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 261,000 | 533,000 | 797,000 | 1,062,000 |
| Interest expense | 74,000 | 169,000 | 269,000 | 379,000 |
| Net interest income | 187,000 | 364,000 | 528,000 | 683,000 |
| Noninterest income | 26,000 | 51,000 | 78,000 | 104,000 |
| Noninterest expense | 217,000 | 461,000 | 740,000 | 992,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -4,000 | -46,000 | -134,000 | -205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,000 | -46,000 | -134,000 | -205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,195,000 | 7,153,000 | 7,065,000 | 7,019,000 |
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