Call reports 2025
GUARDIAN SAVINGS BANK — 2025
What GUARDIAN SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,341,864,000 | 1,347,887,000 | 1,347,176,000 | 1,356,947,000 |
| Total loans | 1,074,077,000 | 1,078,428,000 | 1,143,450,000 | 1,131,600,000 |
| Allowance for loan losses | 11,397,000 | 11,415,000 | 11,429,000 | 11,436,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,184,669,000 | 1,186,913,000 | 1,187,425,000 | 1,195,463,000 |
| Interest-bearing deposits | 1,112,473,000 | 1,108,772,000 | 1,101,343,000 | 1,106,896,000 |
| Noninterest-bearing deposits | 72,196,000 | 78,141,000 | 86,082,000 | 88,567,000 |
| Equity capital | 152,439,000 | 155,240,000 | 153,628,000 | 155,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 17,758,000 | 36,036,000 | 54,744,000 | 73,432,000 |
| Interest expense | 10,043,000 | 19,727,000 | 29,238,000 | 38,565,000 |
| Net interest income | 7,715,000 | 16,309,000 | 25,506,000 | 34,867,000 |
| Noninterest income | 2,628,000 | 4,806,000 | 9,138,000 | 12,458,000 |
| Noninterest expense | 5,788,000 | 11,637,000 | 17,508,000 | 24,836,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,555,000 | 9,478,000 | 17,136,000 | 22,489,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,555,000 | 9,478,000 | 17,136,000 | 22,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,439,000 | 155,240,000 | 153,628,000 | 155,719,000 |
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