Call reports 2015
PHENIX-GIRARD BANK — 2015
What PHENIX-GIRARD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 176,283,000 | 175,678,000 | 170,413,000 | 187,080,000 |
| Total loans | 74,349,000 | 75,573,000 | 74,629,000 | 73,232,000 |
| Allowance for loan losses | 1,041,000 | 1,017,000 | 1,053,000 | 1,090,000 |
| Securities available for sale | 73,652,000 | 76,890,000 | 74,692,000 | 74,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,337,000 | 133,262,000 | 126,818,000 | 143,538,000 |
| Interest-bearing deposits | 98,835,000 | 98,832,000 | 92,060,000 | 104,562,000 |
| Noninterest-bearing deposits | 34,502,000 | 34,430,000 | 34,758,000 | 38,976,000 |
| Equity capital | 25,739,000 | 25,091,000 | 26,080,000 | 26,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,789,000 | 4,211,000 | 5,605,000 |
| Interest expense | 188,000 | 376,000 | 568,000 | 764,000 |
| Net interest income | 1,165,000 | 2,413,000 | 3,643,000 | 4,841,000 |
| Noninterest income | 370,000 | 774,000 | 1,313,000 | 1,830,000 |
| Noninterest expense | 1,074,000 | 2,312,000 | 3,551,000 | 4,698,000 |
| Provision for loan losses | 90,000 | 116,000 | 186,000 | 256,000 |
| Pretax income | 501,000 | 952,000 | 1,433,000 | 1,931,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 114,000 |
| Net income | 465,000 | 880,000 | 1,325,000 | 1,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,145,000 | 26,544,000 | 26,518,000 | 26,842,000 |
| Total capital | 27,186,000 | 27,561,000 | 27,571,000 | 27,932,000 |
| Risk-weighted assets | 98,034,000 | 97,106,000 | 95,958,000 | 103,089,000 |