Call reports 2009
PHENIX-GIRARD BANK — 2009
What PHENIX-GIRARD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 164,691,000 | 158,991,000 | 148,874,000 | 141,996,000 |
| Total loans | 90,868,000 | 89,245,000 | 88,455,000 | 87,282,000 |
| Allowance for loan losses | 1,032,000 | 1,309,000 | 1,442,000 | 1,928,000 |
| Securities available for sale | 54,054,000 | 47,444,000 | 41,579,000 | 33,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,879,000 | 104,027,000 | 107,472,000 | 102,124,000 |
| Interest-bearing deposits | 82,950,000 | 76,601,000 | 82,352,000 | 77,018,000 |
| Noninterest-bearing deposits | 25,929,000 | 27,426,000 | 25,120,000 | 25,106,000 |
| Equity capital | 24,378,000 | 24,072,000 | 24,998,000 | 23,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,966,000 | 3,879,000 | 5,642,000 | 7,420,000 |
| Interest expense | 337,000 | 639,000 | 919,000 | 1,188,000 |
| Net interest income | 1,629,000 | 3,240,000 | 4,723,000 | 6,232,000 |
| Noninterest income | 509,000 | 1,058,000 | 1,632,000 | 2,203,000 |
| Noninterest expense | 1,312,000 | 2,435,000 | 3,804,000 | 5,835,000 |
| Provision for loan losses | 60,000 | 410,000 | 550,000 | 1,170,000 |
| Pretax income | 1,106,000 | 2,188,000 | 2,736,000 | 2,504,000 |
| Income tax | 75,000 | 122,000 | 168,000 | 160,000 |
| Net income | 1,031,000 | 2,066,000 | 2,568,000 | 2,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,695,000 | 24,231,000 | 24,067,000 | 23,839,000 |
| Total capital | 24,727,000 | 25,540,000 | 25,369,000 | 25,137,000 |
| Risk-weighted assets | 107,937,000 | 106,265,000 | 104,008,000 | 103,252,000 |
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