Call reports 2004
PHENIX-GIRARD BANK — 2004
What PHENIX-GIRARD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 118,964,000 | 121,149,000 | 114,860,000 | 117,006,000 |
| Total loans | 65,508,000 | 62,329,000 | 57,299,000 | 56,102,000 |
| Allowance for loan losses | 835,000 | 748,000 | 746,000 | 707,000 |
| Securities available for sale | 34,698,000 | 35,582,000 | 38,433,000 | 44,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,199,000 | 95,865,000 | 88,560,000 | 90,425,000 |
| Interest-bearing deposits | 71,177,000 | 74,543,000 | 66,406,000 | 69,102,000 |
| Noninterest-bearing deposits | 22,022,000 | 21,322,000 | 22,154,000 | 21,323,000 |
| Equity capital | 15,735,000 | 15,271,000 | 16,222,000 | 16,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,368,000 | 2,589,000 | 3,905,000 | 5,302,000 |
| Interest expense | 227,000 | 448,000 | 698,000 | 959,000 |
| Net interest income | 1,141,000 | 2,141,000 | 3,207,000 | 4,343,000 |
| Noninterest income | 646,000 | 1,233,000 | 1,836,000 | 2,371,000 |
| Noninterest expense | 996,000 | 1,966,000 | 2,936,000 | 3,933,000 |
| Provision for loan losses | 75,000 | 105,000 | 133,000 | 153,000 |
| Pretax income | 779,000 | 1,366,000 | 2,136,000 | 2,790,000 |
| Income tax | 0 | 0 | 25,000 | 155,000 |
| Net income | 779,000 | 1,366,000 | 2,111,000 | 2,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,511,000 | 15,655,000 | 15,984,000 | 16,212,000 |
| Total capital | 16,346,000 | 16,403,000 | 16,730,000 | 16,919,000 |
| Risk-weighted assets | 85,748,000 | 75,382,000 | 69,003,000 | 68,752,000 |
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