Call reports 2011
PHENIX-GIRARD BANK — 2011
What PHENIX-GIRARD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 159,429,000 | 162,450,000 | 167,862,000 | 150,353,000 |
| Total loans | 79,530,000 | 79,452,000 | 77,791,000 | 72,418,000 |
| Allowance for loan losses | 1,372,000 | 1,324,000 | 1,632,000 | 1,412,000 |
| Securities available for sale | 50,030,000 | 49,351,000 | 48,796,000 | 49,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,573,000 | 120,542,000 | 125,501,000 | 109,378,000 |
| Interest-bearing deposits | 91,526,000 | 93,586,000 | 99,461,000 | 84,006,000 |
| Noninterest-bearing deposits | 28,047,000 | 26,956,000 | 26,040,000 | 25,372,000 |
| Equity capital | 23,626,000 | 25,506,000 | 25,728,000 | 24,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,789,000 | 3,644,000 | 5,250,000 | 6,637,000 |
| Interest expense | 239,000 | 479,000 | 721,000 | 955,000 |
| Net interest income | 1,550,000 | 3,165,000 | 4,529,000 | 5,682,000 |
| Noninterest income | 487,000 | 984,000 | 1,501,000 | 1,974,000 |
| Noninterest expense | 1,348,000 | 2,675,000 | 4,011,000 | 5,281,000 |
| Provision for loan losses | 90,000 | 165,000 | 185,000 | 230,000 |
| Pretax income | 623,000 | 1,509,000 | 2,249,000 | 2,561,000 |
| Income tax | 42,000 | 84,000 | 126,000 | 149,000 |
| Net income | 581,000 | 1,425,000 | 2,123,000 | 2,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,271,000 | 25,008,000 | 24,846,000 | 23,794,000 |
| Total capital | 25,557,000 | 26,269,000 | 26,110,000 | 24,981,000 |
| Risk-weighted assets | 102,791,000 | 100,811,000 | 100,752,000 | 94,728,000 |