Call reports 2007
PHENIX-GIRARD BANK — 2007
What PHENIX-GIRARD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 158,478,000 | 151,325,000 | 163,379,000 | 166,660,000 |
| Total loans | 71,042,000 | 73,114,000 | 85,712,000 | 90,273,000 |
| Allowance for loan losses | 984,000 | 941,000 | 967,000 | 1,051,000 |
| Securities available for sale | 64,943,000 | 60,586,000 | 60,991,000 | 62,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,843,000 | 107,868,000 | 101,735,000 | 104,533,000 |
| Interest-bearing deposits | 83,931,000 | 82,724,000 | 75,849,000 | 83,137,000 |
| Noninterest-bearing deposits | 29,912,000 | 25,144,000 | 25,886,000 | 21,396,000 |
| Equity capital | 19,431,000 | 18,319,000 | 20,200,000 | 21,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,400,000 | 4,899,000 | 7,511,000 | 10,228,000 |
| Interest expense | 941,000 | 1,909,000 | 2,874,000 | 3,913,000 |
| Net interest income | 1,459,000 | 2,990,000 | 4,637,000 | 6,315,000 |
| Noninterest income | 668,000 | 1,282,000 | 1,922,000 | 2,580,000 |
| Noninterest expense | 1,153,000 | 2,410,000 | 3,656,000 | 4,901,000 |
| Provision for loan losses | 115,000 | 205,000 | 255,000 | 425,000 |
| Pretax income | 859,000 | 1,254,000 | 2,265,000 | 3,219,000 |
| Income tax | 48,000 | 96,000 | 144,000 | 186,000 |
| Net income | 811,000 | 1,158,000 | 2,121,000 | 3,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,853,000 | 19,843,000 | 20,481,000 | 21,037,000 |
| Total capital | 20,837,000 | 20,784,000 | 21,448,000 | 22,088,000 |
| Risk-weighted assets | 97,946,000 | 92,403,000 | 103,586,000 | 107,833,000 |
Machine access — free, no API key
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