Call reports 2020
GUARDIAN SAVINGS BANK — 2020
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,018,809,000 | 1,064,376,000 | 1,090,885,000 | 1,091,948,000 |
| Total loans | 747,369,000 | 785,900,000 | 731,492,000 | 628,527,000 |
| Allowance for loan losses | 10,516,000 | 10,536,000 | 10,723,000 | 10,826,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 892,852,000 | 937,293,000 | 951,604,000 | 948,311,000 |
| Interest-bearing deposits | 788,053,000 | 809,885,000 | 819,073,000 | 824,171,000 |
| Noninterest-bearing deposits | 104,799,000 | 127,408,000 | 132,531,000 | 124,140,000 |
| Equity capital | 120,053,000 | 121,762,000 | 131,603,000 | 138,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,692,000 | 17,127,000 | 25,360,000 | 32,934,000 |
| Interest expense | 3,036,000 | 5,743,000 | 8,160,000 | 10,137,000 |
| Net interest income | 5,656,000 | 11,384,000 | 17,200,000 | 22,797,000 |
| Noninterest income | 2,491,000 | 4,614,000 | 17,293,000 | 31,518,000 |
| Noninterest expense | 4,634,000 | 9,371,000 | 16,754,000 | 20,859,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,513,000 | 6,627,000 | 17,739,000 | 33,456,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,513,000 | 6,627,000 | 17,739,000 | 33,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,053,000 | 121,762,000 | 131,603,000 | 138,875,000 |
| Total capital | 126,232,000 | 128,744,000 | 138,157,000 | 144,722,000 |
| Risk-weighted assets | 490,062,000 | 555,010,000 | 520,212,000 | 462,781,000 |