Call reports 2008
PHENIX-GIRARD BANK — 2008
What PHENIX-GIRARD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 179,566,000 | 172,972,000 | 180,182,000 | 169,823,000 |
| Total loans | 92,255,000 | 90,567,000 | 91,916,000 | 90,076,000 |
| Allowance for loan losses | 1,173,000 | 1,073,000 | 1,114,000 | 1,091,000 |
| Securities available for sale | 66,811,000 | 67,327,000 | 63,635,000 | 61,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,613,000 | 118,631,000 | 126,839,000 | 113,644,000 |
| Interest-bearing deposits | 99,411,000 | 83,068,000 | 100,854,000 | 89,877,000 |
| Noninterest-bearing deposits | 26,202,000 | 35,563,000 | 25,985,000 | 23,767,000 |
| Equity capital | 22,927,000 | 21,307,000 | 22,290,000 | 25,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,583,000 | 5,033,000 | 7,489,000 | 9,650,000 |
| Interest expense | 847,000 | 1,521,000 | 2,182,000 | 2,695,000 |
| Net interest income | 1,736,000 | 3,512,000 | 5,307,000 | 6,955,000 |
| Noninterest income | 628,000 | 1,233,000 | 1,861,000 | 2,532,000 |
| Noninterest expense | 1,241,000 | 2,530,000 | 3,844,000 | 5,209,000 |
| Provision for loan losses | 135,000 | 245,000 | 310,000 | 370,000 |
| Pretax income | 1,004,000 | 1,989,000 | 3,208,000 | 4,213,000 |
| Income tax | 48,000 | 96,000 | 144,000 | 261,000 |
| Net income | 956,000 | 1,893,000 | 3,064,000 | 3,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,572,000 | 22,064,000 | 22,907,000 | 23,202,000 |
| Total capital | 22,745,000 | 23,136,000 | 24,021,000 | 24,293,000 |
| Risk-weighted assets | 116,857,000 | 111,236,000 | 112,278,000 | 106,224,000 |
Machine access — free, no API key
Every figure shown here about PHENIX-GIRARD BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.