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Guardian Bank, Assets and Liabilities
| 1994-12-31 | Rank | |
| # of Employees: | 103 | 1,954 |
| Assets and Liabilities | ||
| Total Assets: | $316,944,000 | 1,456 |
| Cash and due from depository institutions | $69,130,000 | 1,954 |
| Interest-bearing balances | $714,000 | 2,840 |
| Securities | $29,949,000 | 4,267 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $192,549,000 | 1,476 |
| Loan loss allowance | $14,862,000 | 425 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,194,000 | 5,438 |
| Other real estate owned | $20,920,000 | 1,954 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $3,202,000 | 2,518 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $316,944,000 | 1,456 |
| Total liabilities | $300,477,000 | 1,412 |
| Total deposits | $297,948,000 | 1,264 |
| Interest-bearing deposits | $124,835,000 | 2,647 |
| Deposits held in domestic offices | $297,948,000 | 1,255 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $1,534,000 | 2,761 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $995,000 | 3,087 |
| Total equity capital | $16,467,000 | 2,483 |
| Total bank equity capital | $16,467,000 | 2,483 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $18,283,000 | 230 |
| Surplus | $18,722,000 | 904 |
| Undivided profits | $-20,538,000 | 12,599 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $21,043,000 | 261 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $1,364,000 | 1,424 |
| Earning assets | $223,212,000 | 1,885 |
| Long-term assets (5+ years) | $5,966,000 | 5,542 |
| Average Assets, year-to-date | $450,839,400 | 1,028 |
| Average Assets, quarterly | $351,538,500 | 1,328 |
| Volatile liabilities | $13,082,000 | 3,557 |
| Insider loans | $17,000 | 10,876 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $44,964,000 | 1,061 |
| Tier 1 (core) risk-based capital | $16,467,000 | 2,507 |
| Tier 2 risk-based capital | $2,970,240 | 1,126 |
| Total risk weighted assets | $225,727,140 | 1,255 |
| Total unused commitments | $44,964,000 | 1,071 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 160 | 1,294 |
| Assets and Liabilities | ||
| Total Assets: | $567,248,000 | 877 |
| Cash and due from depository institutions | $25,145,000 | 1,294 |
| Interest-bearing balances | $1,990,000 | 2,394 |
| Securities | $209,027,000 | 693 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $304,548,000 | 945 |
| Loan loss allowance | $18,200,000 | 399 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,808,000 | 3,973 |
| Other real estate owned | $13,949,000 | 1,294 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $12,771,000 | 807 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $567,248,000 | 877 |
| Total liabilities | $543,409,000 | 854 |
| Total deposits | $526,076,000 | 785 |
| Interest-bearing deposits | $203,176,000 | 1,700 |
| Deposits held in domestic offices | $526,076,000 | 771 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,000,000 | 871 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $867,000 | 2,903 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,466,000 | 2,335 |
| Total equity capital | $23,839,000 | 1,722 |
| Total bank equity capital | $23,839,000 | 1,722 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $9,533,000 | 410 |
| Surplus | $9,532,000 | 1,515 |
| Undivided profits | $4,774,000 | 4,490 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $34,825,000 | 236 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $2,203,000 | 804 |
| Earning assets | $515,565,000 | 882 |
| Long-term assets (5+ years) | $5,825,000 | 5,979 |
| Average Assets, year-to-date | $688,642,400 | 745 |
| Average Assets, quarterly | $639,351,000 | 802 |
| Volatile liabilities | $38,109,000 | 1,463 |
| Insider loans | $3,286,000 | 1,260 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $46,181,000 | 1,037 |
| Tier 1 (core) risk-based capital | $23,839,000 | 1,675 |
| Tier 2 risk-based capital | $4,414,520 | 806 |
| Total risk weighted assets | $339,376,120 | 867 |
| Total unused commitments | $46,181,000 | 1,062 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 164 | 1,321 |
| Assets and Liabilities | ||
| Total Assets: | $657,325,000 | 817 |
| Cash and due from depository institutions | $49,853,000 | 1,321 |
| Interest-bearing balances | $1,090,000 | 3,639 |
| Securities | $146,826,000 | 929 |
| Federal funds sold & reverse repurchase agreements | $60,000,000 | 364 |
| Net loans & leases | $370,469,000 | 819 |
| Loan loss allowance | $13,466,000 | 512 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,373,000 | 3,079 |
| Other real estate owned | $17,426,000 | 1,321 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $10,378,000 | 964 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $657,325,000 | 817 |
| Total liabilities | $621,728,000 | 803 |
| Total deposits | $599,971,000 | 747 |
| Interest-bearing deposits | $185,808,000 | 1,936 |
| Deposits held in domestic offices | $599,971,000 | 738 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $11,458,000 | 892 |
| Subordinated debt | $3,000,000 | 225 |
| All other liabilities | $7,299,000 | 740 |
| Total equity capital | $35,597,000 | 1,095 |
| Total bank equity capital | $35,597,000 | 1,095 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $7,733,000 | 488 |
| Surplus | $7,732,000 | 1,804 |
| Undivided profits | $20,132,000 | 1,080 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $28,463,000 | 331 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $2,514,000 | 788 |
| Earning assets | $578,385,000 | 838 |
| Long-term assets (5+ years) | $3,775,000 | 7,358 |
| Average Assets, year-to-date | $741,420,200 | 724 |
| Average Assets, quarterly | $738,832,500 | 737 |
| Volatile liabilities | $39,886,000 | 1,401 |
| Insider loans | $91,000 | 5,946 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $56,223,000 | 881 |
| Tier 1 (core) risk-based capital | $35,597,000 | 1,068 |
| Tier 2 risk-based capital | $8,367,340 | 515 |
| Total risk weighted assets | $421,288,840 | 767 |
| Total unused commitments | $56,223,000 | 899 |
| Derivatives | $0 | 651 |