Call reports 2016
GUARDIAN SAVINGS BANK — 2016
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 878,841,000 | 902,388,000 | 947,448,000 | 933,712,000 |
| Total loans | 634,894,000 | 663,308,000 | 720,392,000 | 683,451,000 |
| Allowance for loan losses | 8,561,000 | 8,546,000 | 9,275,000 | 9,233,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,540,000 | 7,440,000 | 7,290,000 | 7,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 775,766,000 | 797,336,000 | 839,015,000 | 827,242,000 |
| Interest-bearing deposits | 705,289,000 | 727,543,000 | 768,664,000 | 743,261,000 |
| Noninterest-bearing deposits | 70,477,000 | 69,793,000 | 70,351,000 | 83,981,000 |
| Equity capital | 93,483,000 | 93,993,000 | 101,816,000 | 96,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,387,000 | 12,597,000 | 19,262,000 | 25,819,000 |
| Interest expense | 1,405,000 | 2,874,000 | 4,296,000 | 5,876,000 |
| Net interest income | 4,982,000 | 9,723,000 | 14,966,000 | 19,943,000 |
| Noninterest income | 5,862,000 | 10,358,000 | 15,084,000 | 22,878,000 |
| Noninterest expense | 6,929,000 | 12,498,000 | 14,308,000 | 22,049,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,915,000 | 7,583,000 | 15,742,000 | 20,772,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,915,000 | 7,583,000 | 15,742,000 | 20,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,834,000 | 85,327,000 | 93,686,000 | 87,479,000 |
| Total capital | 90,537,000 | 91,222,000 | 99,848,000 | 93,391,000 |
| Risk-weighted assets | 444,786,000 | 460,308,000 | 481,761,000 | 460,961,000 |