Call reports 2012
PHENIX-GIRARD BANK — 2012
What PHENIX-GIRARD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 158,311,000 | 159,025,000 | 162,229,000 | 163,388,000 |
| Total loans | 71,639,000 | 69,102,000 | 69,639,000 | 68,060,000 |
| Allowance for loan losses | 1,442,000 | 1,341,000 | 1,234,000 | 1,242,000 |
| Securities available for sale | 59,947,000 | 56,187,000 | 56,563,000 | 66,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,293,000 | 117,038,000 | 120,033,000 | 121,212,000 |
| Interest-bearing deposits | 89,210,000 | 89,811,000 | 90,758,000 | 94,532,000 |
| Noninterest-bearing deposits | 28,083,000 | 27,227,000 | 29,275,000 | 26,680,000 |
| Equity capital | 24,591,000 | 25,534,000 | 25,570,000 | 25,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,448,000 | 2,864,000 | 4,255,000 | 5,617,000 |
| Interest expense | 179,000 | 361,000 | 534,000 | 714,000 |
| Net interest income | 1,269,000 | 2,503,000 | 3,721,000 | 4,903,000 |
| Noninterest income | 496,000 | 1,079,000 | 1,604,000 | 2,292,000 |
| Noninterest expense | 1,307,000 | 2,689,000 | 3,899,000 | 5,234,000 |
| Provision for loan losses | 35,000 | 95,000 | 155,000 | 225,000 |
| Pretax income | 423,000 | 1,009,000 | 1,482,000 | 1,947,000 |
| Income tax | 27,000 | 60,000 | 102,000 | 119,000 |
| Net income | 396,000 | 949,000 | 1,380,000 | 1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,077,000 | 24,331,000 | 24,273,000 | 24,535,000 |
| Total capital | 25,252,000 | 25,487,000 | 25,439,000 | 25,690,000 |
| Risk-weighted assets | 93,732,000 | 92,313,000 | 93,239,000 | 92,286,000 |