Call reports 2012
GUARDIAN SAVINGS BANK — 2012
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 790,457,000 | 782,860,000 | 803,940,000 | 817,138,000 |
| Total loans | 536,064,000 | 544,508,000 | 632,149,000 | 705,316,000 |
| Allowance for loan losses | 7,305,000 | 7,962,000 | 8,323,000 | 8,485,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 719,186,000 | 705,886,000 | 724,002,000 | 732,547,000 |
| Interest-bearing deposits | 615,855,000 | 613,264,000 | 619,487,000 | 624,169,000 |
| Noninterest-bearing deposits | 103,331,000 | 92,622,000 | 104,515,000 | 108,378,000 |
| Equity capital | 65,155,000 | 66,009,000 | 68,848,000 | 73,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,595,000 | 13,317,000 | 19,604,000 | 26,103,000 |
| Interest expense | 1,500,000 | 2,908,000 | 4,275,000 | 5,635,000 |
| Net interest income | 5,095,000 | 10,409,000 | 15,329,000 | 20,468,000 |
| Noninterest income | 8,305,000 | 15,351,000 | 23,016,000 | 32,171,000 |
| Noninterest expense | 4,648,000 | 8,638,000 | 13,039,000 | 16,913,000 |
| Provision for loan losses | 0 | 400,000 | 400,000 | 400,000 |
| Pretax income | 8,752,000 | 16,722,000 | 24,906,000 | 35,326,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 8,752,000 | 16,722,000 | 24,906,000 | 35,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,184,000 | 63,956,000 | 66,747,000 | 71,113,000 |
| Total capital | 68,189,000 | 66,889,000 | 70,268,000 | 75,062,000 |
| Risk-weighted assets | 512,851,000 | 229,647,000 | 276,857,000 | 311,423,000 |