Call reports 2013
GUARDIAN SAVINGS BANK — 2013
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 815,392,000 | 816,341,000 | 815,767,000 | 813,894,000 |
| Total loans | 626,503,000 | 571,493,000 | 517,492,000 | 514,790,000 |
| Allowance for loan losses | 8,894,000 | 8,618,000 | 8,810,000 | 8,734,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 9,857,000 | 9,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 730,242,000 | 730,446,000 | 729,394,000 | 728,616,000 |
| Interest-bearing deposits | 639,895,000 | 645,001,000 | 649,712,000 | 649,206,000 |
| Noninterest-bearing deposits | 90,347,000 | 85,445,000 | 79,682,000 | 79,410,000 |
| Equity capital | 74,628,000 | 74,547,000 | 80,857,000 | 82,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,158,000 | 13,321,000 | 19,556,000 | 24,005,000 |
| Interest expense | 1,278,000 | 2,582,000 | 3,858,000 | 5,134,000 |
| Net interest income | 5,880,000 | 10,739,000 | 15,698,000 | 18,871,000 |
| Noninterest income | 11,911,000 | 19,082,000 | 23,574,000 | 26,705,000 |
| Noninterest expense | 5,923,000 | 10,824,000 | 13,964,000 | 15,740,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,868,000 | 18,997,000 | 25,308,000 | 29,836,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,868,000 | 18,997,000 | 25,308,000 | 29,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,626,000 | 72,409,000 | 78,618,000 | 80,700,000 |
| Total capital | 77,989,000 | 77,677,000 | 83,718,000 | 85,827,000 |
| Risk-weighted assets | 425,483,000 | 418,069,000 | 404,279,000 | 406,555,000 |