Call reports 2013
PHENIX-GIRARD BANK — 2013
What PHENIX-GIRARD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 166,268,000 | 169,182,000 | 162,724,000 | 170,891,000 |
| Total loans | 67,617,000 | 66,806,000 | 62,889,000 | 66,042,000 |
| Allowance for loan losses | 1,323,000 | 931,000 | 955,000 | 925,000 |
| Securities available for sale | 74,908,000 | 77,379,000 | 76,514,000 | 74,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,023,000 | 130,838,000 | 124,545,000 | 133,979,000 |
| Interest-bearing deposits | 95,264,000 | 97,214,000 | 93,010,000 | 102,840,000 |
| Noninterest-bearing deposits | 28,759,000 | 33,624,000 | 31,535,000 | 31,139,000 |
| Equity capital | 25,650,000 | 21,566,000 | 21,273,000 | 20,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,834,000 | 4,239,000 | 5,670,000 |
| Interest expense | 171,000 | 346,000 | 528,000 | 714,000 |
| Net interest income | 1,252,000 | 2,488,000 | 3,711,000 | 4,956,000 |
| Noninterest income | 526,000 | 1,115,000 | 1,625,000 | 2,106,000 |
| Noninterest expense | 1,191,000 | 2,561,000 | 3,776,000 | 4,971,000 |
| Provision for loan losses | 95,000 | 135,000 | 185,000 | 260,000 |
| Pretax income | 492,000 | 907,000 | 1,375,000 | 1,831,000 |
| Income tax | 42,000 | 84,000 | 81,000 | 103,000 |
| Net income | 450,000 | 823,000 | 1,294,000 | 1,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,789,000 | 24,696,000 | 25,165,000 | 25,348,000 |
| Total capital | 25,939,000 | 25,627,000 | 26,120,000 | 26,273,000 |
| Risk-weighted assets | 91,843,000 | 93,562,000 | 90,835,000 | 94,703,000 |