Guardian Savings Bank in Granite City, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Guardian Savings Bank in Granite City, Illinois (IL)
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Guardian Savings Bank - Overview

  • General
  • FDIC Certificate #: 29986
    Status: Active
    Federal Reserve ID: 823076
    Date Established: January 01, 1919
    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
  • NoIDNameAddressEstablishedService TypeMap
    042820Guardian Savings Bank3800 Nameoki Road, Granite City, IL 62040January 01, 1919Full Service Brick and Mortar

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