FDIC Certificate #: 29986 Status: Active Federal Reserve ID: 823076 Date Established: January 01, 1919 WWW:http://www.bankguardian.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 4485 FDIC's unique #: 42820 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: September 13, 1944 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 3800 Nameoki Road, Granite City, IL 62040 County: Madison Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $38.9 mil Equity capital: $7.6 mil Deposits held in domestic offices: $31.2 mil Return on assets (ROA): 0.28% ($0.1 mil) Quarterly return on assets: 0.27% ($0.1 mil) Return on Equity (ROE): 1.50% ($0.1 mil) Quarterly return on equity: 1.42% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.41% ($159.6 mil) Quarterly Pretax return on assets: 0.37% ($144.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$38,935Total assets
$11,083Cash and due from depository institutions
$10,908Interest-bearing balances
$15,895Securities
$0Federal funds sold & reverse repurchase agreements
$11,193Net loans & leases
$50Loan loss allowance
$0Trading account assets
$206Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$38,935Life insurance assets
$558All other assets
$31,317Total liabilities and capital
$31,198Total liabilities
$30,101Total deposits
$31,198Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$119Subordinated debt
$7,618All other liabilities
$7,618Total equity capital
$7,618Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$7,618Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$11Income earned, not collected on loans
$0Earning assets
$104Long-term assets (5+ years)
$37,996Average Assets, year-to-date
$0Average Assets, quarterly
$39,845Volatile liabilities
$39,276Insider loans
$12,295FHLB advances
$38,935Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,619Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,175Restructured Loans and leases
$38Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,284Total interest income
$333Total interest expense
$951Net interest income
$0Provision for loan and lease losses
$108Total noninterest income
$0Fiduciary activities
$79Service charges on deposit accounts
$0Trading account gains & fees
$29Additional noninterest income
$895Total noninterest expense
$431Salaries and employee benefits
$133Premises and equipment expense
$331Additional noninterest expense
$164Pre-tax net operating income
$0Securities gains (losses)
$51Applicable income taxes
$113Income before extraordinary items
$0Extraordinary gains - net
$113Net income attributable to bank
$0Net charge-offs
$113Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.30%Yield on earning assets
0.86%Cost of funding earning assets
2.45%Net interest margin
0.28%Noninterest income to earning assets
2.30%Noninterest expense to earning assets
0.28%Net operating income to assets
0.28%Return on assets (ROA)
0.41%Pretax return on assets
1.50%Return on equity (ROE)
1.50%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
84,514Assets per employee
4.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.44%Loss allowance to noncurrent loans
454.55%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.10%Net loans and leases to deposits
35.88%Net loans and leases to core deposits
36.55%Equity capital to assets
19.57%Core capital (leverage) ratio
19.57%Tier 1 risk-based capital ratio
61.97%Total risk-based capital ratio
Memoranda
$62Average assets
$39,845Average earning assets
$7,557Average equity
$38,861Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42820
Guardian Savings Bank
3800 Nameoki Road, Granite City, IL 62040
January 01, 1919
Full Service Brick and Mortar
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