Call reports 2015
GUARDIAN SAVINGS BANK — 2015
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 857,546,000 | 847,533,000 | 830,530,000 | 861,518,000 |
| Total loans | 689,906,000 | 676,546,000 | 637,659,000 | 689,613,000 |
| Allowance for loan losses | 8,739,000 | 8,751,000 | 8,763,000 | 8,619,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,684,000 | 8,506,000 | 8,279,000 | 8,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 718,309,000 | 713,828,000 | 730,958,000 | 762,638,000 |
| Interest-bearing deposits | 620,999,000 | 651,885,000 | 423,035,000 | 690,884,000 |
| Noninterest-bearing deposits | 97,310,000 | 61,943,000 | 307,923,000 | 71,754,000 |
| Equity capital | 89,907,000 | 93,561,000 | 91,914,000 | 91,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,567,000 | 14,338,000 | 21,077,000 | 27,927,000 |
| Interest expense | 1,169,000 | 2,375,000 | 3,642,000 | 4,988,000 |
| Net interest income | 6,398,000 | 11,963,000 | 17,435,000 | 22,939,000 |
| Noninterest income | 2,754,000 | 8,467,000 | 14,544,000 | 18,086,000 |
| Noninterest expense | 5,459,000 | 10,830,000 | 16,638,000 | 24,648,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,693,000 | 9,600,000 | 15,341,000 | 16,377,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,693,000 | 9,600,000 | 15,341,000 | 16,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,543,000 | 88,132,000 | 86,161,000 | 86,132,000 |
| Total capital | 90,214,000 | 94,000,000 | 91,545,000 | 91,911,000 |
| Risk-weighted assets | 445,240,000 | 461,202,000 | 421,591,000 | 453,806,000 |