Call reports 2014
PHENIX-GIRARD BANK — 2014
What PHENIX-GIRARD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 173,762,000 | 176,618,000 | 170,782,000 | 180,504,000 |
| Total loans | 66,278,000 | 69,119,000 | 71,848,000 | 75,620,000 |
| Allowance for loan losses | 955,000 | 1,054,000 | 1,121,000 | 968,000 |
| Securities available for sale | 75,655,000 | 79,188,000 | 74,959,000 | 78,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,353,000 | 136,814,000 | 130,511,000 | 139,080,000 |
| Interest-bearing deposits | 100,430,000 | 103,798,000 | 98,025,000 | 105,503,000 |
| Noninterest-bearing deposits | 34,923,000 | 33,016,000 | 32,486,000 | 33,577,000 |
| Equity capital | 21,355,000 | 22,615,000 | 23,014,000 | 24,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,419,000 | 2,820,000 | 4,240,000 | 5,691,000 |
| Interest expense | 185,000 | 370,000 | 558,000 | 749,000 |
| Net interest income | 1,234,000 | 2,450,000 | 3,682,000 | 4,942,000 |
| Noninterest income | 407,000 | 913,000 | 1,388,000 | 1,382,000 |
| Noninterest expense | 1,109,000 | 2,283,000 | 3,556,000 | 4,579,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 311,000 |
| Pretax income | 877,000 | 1,335,000 | 1,753,000 | 1,943,000 |
| Income tax | 24,000 | 60,000 | 96,000 | 125,000 |
| Net income | 853,000 | 1,275,000 | 1,657,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,692,000 | 25,641,000 | 26,019,000 | 26,182,000 |
| Total capital | 26,647,000 | 26,695,000 | 27,125,000 | 27,137,000 |
| Risk-weighted assets | 93,995,000 | 96,632,000 | 97,727,000 | 101,635,000 |