Call reports 2014
GUARDIAN SAVINGS BANK — 2014
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 811,056,000 | 799,233,000 | 800,872,000 | 800,639,000 |
| Total loans | 525,304,000 | 576,560,000 | 580,279,000 | 631,561,000 |
| Allowance for loan losses | 8,903,000 | 8,592,000 | 8,613,000 | 8,585,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,554,000 | 9,362,000 | 9,146,000 | 8,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 723,945,000 | 709,727,000 | 708,677,000 | 710,143,000 |
| Interest-bearing deposits | 645,065,000 | 653,300,000 | 628,295,000 | 619,629,000 |
| Noninterest-bearing deposits | 78,880,000 | 56,427,000 | 80,382,000 | 90,514,000 |
| Equity capital | 82,494,000 | 84,592,000 | 88,187,000 | 87,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,951,000 | 10,247,000 | 17,193,000 | 24,763,000 |
| Interest expense | 1,205,000 | 2,402,000 | 3,609,000 | 4,817,000 |
| Net interest income | 3,746,000 | 7,845,000 | 13,584,000 | 19,946,000 |
| Noninterest income | 3,122,000 | 5,804,000 | 8,902,000 | 11,055,000 |
| Noninterest expense | 5,292,000 | 8,950,000 | 12,711,000 | 17,902,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,576,000 | 4,699,000 | 9,775,000 | 13,099,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,576,000 | 4,699,000 | 9,775,000 | 13,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,207,000 | 82,327,000 | 85,917,000 | 84,920,000 |
| Total capital | 85,586,000 | 87,866,000 | 91,525,000 | 90,764,000 |
| Risk-weighted assets | 426,760,000 | 440,040,000 | 445,633,000 | 464,774,000 |