Call reports 2005
PHENIX-GIRARD BANK — 2005
What PHENIX-GIRARD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 116,608,000 | 118,166,000 | 123,349,000 | 125,087,000 |
| Total loans | 55,667,000 | 55,378,000 | 57,172,000 | 60,936,000 |
| Allowance for loan losses | 751,000 | 750,000 | 722,000 | 709,000 |
| Securities available for sale | 42,784,000 | 43,566,000 | 47,359,000 | 48,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,457,000 | 93,866,000 | 91,549,000 | 86,741,000 |
| Interest-bearing deposits | 69,348,000 | 69,204,000 | 67,804,000 | 64,313,000 |
| Noninterest-bearing deposits | 24,109,000 | 24,662,000 | 23,745,000 | 22,428,000 |
| Equity capital | 15,979,000 | 17,175,000 | 16,980,000 | 16,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,408,000 | 2,934,000 | 4,586,000 | 6,267,000 |
| Interest expense | 283,000 | 592,000 | 981,000 | 1,430,000 |
| Net interest income | 1,125,000 | 2,342,000 | 3,605,000 | 4,837,000 |
| Noninterest income | 585,000 | 1,276,000 | 1,856,000 | 2,484,000 |
| Noninterest expense | 970,000 | 1,960,000 | 3,063,000 | 4,049,000 |
| Provision for loan losses | 55,000 | 90,000 | 120,000 | 180,000 |
| Pretax income | 762,000 | 1,660,000 | 2,370,000 | 3,184,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 180,000 |
| Net income | 717,000 | 1,570,000 | 2,235,000 | 3,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,369,000 | 16,921,000 | 17,168,000 | 17,582,000 |
| Total capital | 17,120,000 | 17,671,000 | 17,890,000 | 18,291,000 |
| Risk-weighted assets | 68,509,000 | 69,502,000 | 72,573,000 | 76,029,000 |
Machine access — free, no API key
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