Guardian Savings Bank, A Federal Savings Bank in Cincinnati, Ohio (OH), KY
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Guardian Savings Bank, A Federal Savings Bank in Cincinnati, Ohio (OH), KY
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Guardian Savings Bank, A Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 27998
    Status: Active
    Federal Reserve ID: 727174
    Date Established: January 01, 1895
    WWW: http://www.guardiansavingsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 10 (Domestic: 10, Interstate: Yes)
    OTS Docket #: 709
    FDIC's unique #: 40832
    Numeric code: 33
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: March 31, 2006
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: August 29, 2011
    Last Data Update: August 29, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 5901 Colerain Avenue, Cincinnati, OH 45239
    County: Hamilton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Corrections
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $811.2 mil
    Equity capital: $60.9 mil
    Deposits held in domestic offices: $697.9 mil
    Return on assets (ROA): 2.83% ($23.0 mil)
    Quarterly return on assets: 3.62% ($29.4 mil)
    Return on Equity (ROE): 36.84% ($22.5 mil)
    Quarterly return on equity: 46.86% ($28.6 mil)
    Net income: $21.2 mil
    Quarterly Net income: $7.1 mil
    Pretax return on assets: 2.83% ($22,955.8 mil)
    Quarterly Pretax return on assets: 3.62% ($29,363.9 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
  • 179Total employees (full-time equivalent)
  • $811,158Total assets
  • $122,254Cash and due from depository institutions
  • $87,225Interest-bearing balances
  • $0Securities
  • $116Federal funds sold & reverse repurchase agreements
  • $650,676Net loans & leases
  • $7,427Loan loss allowance
  • $0Trading account assets
  • $7,866Bank premises and fixed assets
  • $2,484Other real estate owned
  • $18,169Goodwill and other intangibles
  • $811,158Life insurance assets
  • $9,593All other assets
  • $750,220Total liabilities and capital
  • $697,867Total liabilities
  • $602,400Total deposits
  • $697,867Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $45,000Trading liabilities
  • $0Other borrowed funds
  • $7,353Subordinated debt
  • $60,938All other liabilities
  • $60,938Total equity capital
  • $60,938Total bank equity capital
  • $0Perpetual preferred stock
  • $157Common stock
  • $1,980Surplus
  • $58,801Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $229,609Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,378Income earned, not collected on loans
  • $0Earning assets
  • $1,836Long-term assets (5+ years)
  • $738,017Average Assets, year-to-date
  • $615,015Average Assets, quarterly
  • $749,010Volatile liabilities
  • $781,702Insider loans
  • $403,824FHLB advances
  • $785,252Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $59,121Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,173Restructured Loans and leases
  • $452Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,908Total interest income
  • $7,098Total interest expense
  • $16,810Net interest income
  • $2,850Provision for loan and lease losses
  • $21,152Total noninterest income
  • $0Fiduciary activities
  • $396Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20,756Additional noninterest income
  • $13,923Total noninterest expense
  • $7,543Salaries and employee benefits
  • $1,432Premises and equipment expense
  • $4,948Additional noninterest expense
  • $21,189Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $21,189Income before extraordinary items
  • $0Extraordinary gains - net
  • $21,189Net income attributable to bank
  • $0Net charge-offs
  • $21,189Cash dividends
  • $938Sale, conversion, retirement of capital stock, net
  • $13,978Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.44%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 2.42%Net interest margin
  • 3.04%Noninterest income to earning assets
  • 2.00%Noninterest expense to earning assets
  • 2.83%Net operating income to assets
  • 2.83%Return on assets (ROA)
  • 2.83%Pretax return on assets
  • 36.84%Return on equity (ROE)
  • 12.54%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 303.84%Credit loss provision to net charge-offs
  • 25.63%Efficiency ratio
  • 36,676Assets per employee
  • 4.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.97%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 42.74%Noncurrent assets plus other real estate owned to assets
  • 2.45%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 93.24%Net loans and leases to core deposits
  • 95.75%Equity capital to assets
  • 7.51%Core capital (leverage) ratio
  • 7.53%Tier 1 risk-based capital ratio
  • 14.64%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $749,010Average earning assets
  • $57,509Average equity
  • $695,450Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    103264482Kyles Lane Branch10 Kyles Lane, Fort Wright, KY 41011June 30, 1996Full Service Brick and Mortar
    104456476Florence Branch7550 Mall Road, Florence, KY 41042June 01, 1999Full Service Brick and Mortar
    105456477Fort Thomas Branch14 South Fort Thomas Avenue, Fort Thomas, KY 41075August 01, 1998Full Service Brick and Mortar
    107457016Lexington Branch501 Southland Drive, Lexington, KY 40503August 14, 2006Full Service Brick and Mortar
  • 6 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040832Guardian Savings Bank, A Federal Savings Bank5901 Colerain Avenue, Cincinnati, OH 45239January 01, 1895Full Service Brick and Mortar
    1002644795671 Springdale Rd Branch5671 Springdale Rd, Cincinnati, OH 45247January 01, 1895Full Service Brick and Mortar
    1012644805511 Harrison Ave Branch5511 Harrison Ave, Cincinnati, OH 45248January 01, 1895Full Service Brick and Mortar
    102264481Ohio Pike Branch560 Ohio Pike, Cincinnati, OH 45255July 25, 1994Full Service Brick and Mortar
    106456478Cincinnati Branch11333 Princeton Road, Cincinnati, OH 45246June 01, 2006Full Service Brick and Mortar
    108522122West Chester Branch6100 West Chester Road, West Chester, OH 45069November 10, 2010Full Service Brick and Mortar

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