Guardian Savings Bank

Guardian Savings Bank is headquartered in Granite City and is the 509^th largest bank in the state of Illinois. It is also the 6,702^nd largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 8 employees at 1 location. Guardian Savings Bank has a 5-star health rating.

Guardian Savings Bank Checking Account Rates

Guardian Savings Bank Savings Account Rates

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Guardian Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Guardian Savings Bank OTS # 04485 FDIC Certificate # 29986 BankRate Report View Year Established 1919 Employees 8 Primary Regulator OCC Assets and Liabilities Assets $39.38 million Loans $11.18 million Deposits $31.62 million Equity Capital $7.64 million Loan Loss Allowance $49,000 Unbacked Noncurrent Loans $3,000 Historic Data - March 2011 Assets $40.58 million Equity Capital $7.52 million Loan Loss Allowance $50,000 Unbacked Noncurrent Loans $46,000 Profit Margin - Quarterly Net Interest Margin 2.42% Return on Assets 0.22% Return on Equity 1.15% Interest Income $296,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Guardian Savings Bank had $3,000 in non-current loans and owned real-estate with $7.69 million in equity and loan loss allowances on hand to cover it. This gives Guardian Savings Bank a Texas Ratio of 0.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Guardian Savings Bank decreased significantly from 0.61% as of March 31, 2011 to 0.04% as of March 31, 2012, resulting in a positive change of 93.58%.This indicates that the balance sheet and financial strength for Guardian Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Guardian Savings Bank has decreased its total deposits by -$1.27 million, resulting in -3.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Guardian Savings Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Guardian Savings Bank has $39.38 million in assets with $7.69 million in equity, resulting in a capitalization level of 19.52%, which is excellent.

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