Call reports 2003
PHENIX-GIRARD BANK — 2003
What PHENIX-GIRARD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 109,005,000 | 111,896,000 | 113,653,000 | 119,298,000 |
| Total loans | 53,817,000 | 61,018,000 | 60,138,000 | 64,359,000 |
| Allowance for loan losses | 720,000 | 731,000 | 756,000 | 782,000 |
| Securities available for sale | 39,827,000 | 37,114,000 | 32,182,000 | 36,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,016,000 | 83,909,000 | 88,348,000 | 93,605,000 |
| Interest-bearing deposits | 66,756,000 | 66,251,000 | 69,009,000 | 74,112,000 |
| Noninterest-bearing deposits | 17,260,000 | 17,658,000 | 19,339,000 | 19,493,000 |
| Equity capital | 15,453,000 | 16,020,000 | 15,385,000 | 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 | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,369,000 | 2,833,000 | 4,234,000 | 5,666,000 |
| Interest expense | 277,000 | 551,000 | 793,000 | 1,026,000 |
| Net interest income | 1,092,000 | 2,282,000 | 3,441,000 | 4,640,000 |
| Noninterest income | 490,000 | 1,222,000 | 1,788,000 | 2,250,000 |
| Noninterest expense | 1,022,000 | 2,195,000 | 3,251,000 | 4,362,000 |
| Provision for loan losses | 20,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 553,000 | 1,303,000 | 1,948,000 | 2,468,000 |
| Income tax | 0 | 0 | 0 | 129,000 |
| Net income | 553,000 | 1,303,000 | 1,948,000 | 2,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,019,000 | 15,338,000 | 15,517,000 | 15,511,000 |
| Total capital | 15,739,000 | 16,069,000 | 16,273,000 | 16,293,000 |
| Risk-weighted assets | 68,243,000 | 73,195,000 | 72,442,000 | 75,446,000 |
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