Call reports 2023
GUARDIAN SAVINGS BANK — 2023
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,031,713,000 | 1,050,655,000 | 1,083,560,000 | 1,129,095,000 |
| Total loans | 875,909,000 | 910,755,000 | 953,965,000 | 971,878,000 |
| Allowance for loan losses | 10,902,000 | 10,912,000 | 10,911,000 | 10,920,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 879,563,000 | 896,727,000 | 932,269,000 | 976,125,000 |
| Interest-bearing deposits | 801,078,000 | 813,167,000 | 844,970,000 | 904,449,000 |
| Noninterest-bearing deposits | 78,485,000 | 83,560,000 | 87,299,000 | 71,676,000 |
| Equity capital | 147,361,000 | 148,782,000 | 145,265,000 | 147,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,882,000 | 22,895,000 | 34,786,000 | 48,435,000 |
| Interest expense | 3,203,000 | 7,443,000 | 13,298,000 | 20,735,000 |
| Net interest income | 7,679,000 | 15,452,000 | 21,488,000 | 27,700,000 |
| Noninterest income | 1,825,000 | 3,359,000 | 5,617,000 | 7,624,000 |
| Noninterest expense | 4,786,000 | 9,339,000 | 13,601,000 | 19,377,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,718,000 | 9,472,000 | 13,504,000 | 15,947,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,718,000 | 9,472,000 | 13,504,000 | 15,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,361,000 | 148,782,000 | 145,265,000 | 147,308,000 |