Call reports 2010
PHENIX-GIRARD BANK — 2010
What PHENIX-GIRARD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 144,434,000 | 146,350,000 | 150,975,000 | 147,715,000 |
| Total loans | 85,879,000 | 82,085,000 | 80,367,000 | 80,386,000 |
| Allowance for loan losses | 1,868,000 | 1,693,000 | 1,696,000 | 1,284,000 |
| Securities available for sale | 35,996,000 | 39,439,000 | 43,341,000 | 46,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,263,000 | 105,211,000 | 109,443,000 | 108,039,000 |
| Interest-bearing deposits | 77,720,000 | 77,569,000 | 83,407,000 | 83,225,000 |
| Noninterest-bearing deposits | 26,543,000 | 27,642,000 | 26,036,000 | 24,814,000 |
| Equity capital | 23,988,000 | 25,040,000 | 25,306,000 | 23,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,703,000 | 3,452,000 | 5,308,000 | 7,084,000 |
| Interest expense | 251,000 | 494,000 | 761,000 | 1,018,000 |
| Net interest income | 1,452,000 | 2,958,000 | 4,547,000 | 6,066,000 |
| Noninterest income | 536,000 | 1,097,000 | 1,705,000 | 2,342,000 |
| Noninterest expense | 1,322,000 | 2,757,000 | 4,225,000 | 5,635,000 |
| Provision for loan losses | 85,000 | 255,000 | 355,000 | 440,000 |
| Pretax income | 581,000 | 1,100,000 | 1,755,000 | 2,416,000 |
| Income tax | 39,000 | 61,000 | 103,000 | 145,000 |
| Net income | 542,000 | 1,039,000 | 1,652,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,702,000 | 24,233,000 | 24,269,000 | 24,362,000 |
| Total capital | 24,980,000 | 25,493,000 | 25,519,000 | 25,622,000 |
| Risk-weighted assets | 102,529,000 | 100,343,000 | 99,545,000 | 100,804,000 |