Call reports 2002
PHENIX-GIRARD BANK — 2002
What PHENIX-GIRARD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 104,151,000 | 102,763,000 | 103,010,000 | 106,843,000 |
| Total loans | 55,315,000 | 53,562,000 | 51,535,000 | 53,166,000 |
| Allowance for loan losses | 628,000 | 655,000 | 689,000 | 707,000 |
| Securities available for sale | 33,629,000 | 26,694,000 | 28,063,000 | 37,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,368,000 | 79,668,000 | 81,258,000 | 81,704,000 |
| Interest-bearing deposits | 66,100,000 | 63,029,000 | 63,539,000 | 66,172,000 |
| Noninterest-bearing deposits | 16,268,000 | 16,639,000 | 17,719,000 | 15,532,000 |
| Equity capital | 14,906,000 | 16,283,000 | 15,199,000 | 15,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,009,000 | 4,395,000 | 5,846,000 |
| Interest expense | 399,000 | 754,000 | 1,084,000 | 1,377,000 |
| Net interest income | 1,157,000 | 2,255,000 | 3,311,000 | 4,469,000 |
| Noninterest income | 507,000 | 1,072,000 | 1,593,000 | 2,115,000 |
| Noninterest expense | 1,020,000 | 2,053,000 | 3,028,000 | 4,132,000 |
| Provision for loan losses | 30,000 | 58,000 | 85,000 | 105,000 |
| Pretax income | 721,000 | 1,402,000 | 2,009,000 | 2,596,000 |
| Income tax | 136,000 | 273,000 | 398,000 | 795,000 |
| Net income | 585,000 | 1,129,000 | 1,611,000 | 1,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,393,000 | 15,961,000 | 14,772,000 | 15,026,000 |
| Total capital | 16,021,000 | 16,616,000 | 15,461,000 | 15,733,000 |
| Risk-weighted assets | 66,432,000 | 67,132,000 | 65,437,000 | 67,260,000 |
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