Call reports 2019
GUARDIAN SAVINGS BANK — 2019
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 941,936,000 | 963,384,000 | 1,002,688,000 | 997,561,000 |
| Total loans | 771,565,000 | 756,361,000 | 760,994,000 | 740,454,000 |
| Allowance for loan losses | 10,148,000 | 10,242,000 | 10,288,000 | 10,455,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 819,072,000 | 837,154,000 | 874,217,000 | 875,100,000 |
| Interest-bearing deposits | 745,812,000 | 760,783,000 | 774,658,000 | 778,984,000 |
| Noninterest-bearing deposits | 73,260,000 | 76,371,000 | 99,559,000 | 96,116,000 |
| Equity capital | 115,112,000 | 118,793,000 | 121,479,000 | 117,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,527,000 | 17,647,000 | 27,004,000 | 35,939,000 |
| Interest expense | 2,699,000 | 5,708,000 | 8,942,000 | 12,098,000 |
| Net interest income | 5,828,000 | 11,939,000 | 18,062,000 | 23,841,000 |
| Noninterest income | 2,185,000 | 4,942,000 | 7,056,000 | 11,029,000 |
| Noninterest expense | 4,227,000 | 7,900,000 | 11,381,000 | 16,187,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,786,000 | 8,981,000 | 13,737,000 | 18,683,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,786,000 | 8,981,000 | 13,737,000 | 18,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,447,000 | 108,315,000 | 111,481,000 | 107,661,000 |
| Total capital | 110,855,000 | 114,623,000 | 117,790,000 | 113,782,000 |
| Risk-weighted assets | 498,270,000 | 490,253,000 | 490,749,000 | 475,067,000 |