Call reports 2016
PHENIX-GIRARD BANK — 2016
What PHENIX-GIRARD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 181,072,000 | 180,916,000 | 181,151,000 | 173,905,000 |
| Total loans | 72,688,000 | 70,210,000 | 66,727,000 | 70,060,000 |
| Allowance for loan losses | 1,150,000 | 1,202,000 | 887,000 | 905,000 |
| Securities available for sale | 78,933,000 | 81,471,000 | 73,670,000 | 72,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,194,000 | 135,545,000 | 135,841,000 | 137,366,000 |
| Interest-bearing deposits | 97,496,000 | 97,891,000 | 91,941,000 | 99,706,000 |
| Noninterest-bearing deposits | 38,698,000 | 37,654,000 | 43,900,000 | 37,660,000 |
| Equity capital | 27,274,000 | 27,657,000 | 27,463,000 | 24,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,429,000 | 2,918,000 | 4,320,000 | 5,736,000 |
| Interest expense | 208,000 | 418,000 | 635,000 | 828,000 |
| Net interest income | 1,221,000 | 2,500,000 | 3,685,000 | 4,908,000 |
| Noninterest income | 919,000 | 1,407,000 | 1,998,000 | 2,311,000 |
| Noninterest expense | 1,450,000 | 2,675,000 | 3,912,000 | 5,034,000 |
| Provision for loan losses | 70,000 | 135,000 | 175,000 | 210,000 |
| Pretax income | 620,000 | 1,097,000 | 1,596,000 | 2,028,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 133,000 |
| Net income | 584,000 | 1,025,000 | 1,488,000 | 1,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,436,000 | 27,296,000 | 27,278,000 | 27,652,000 |
| Total capital | 28,586,000 | 28,498,000 | 28,166,000 | 28,557,000 |
| Risk-weighted assets | 97,696,000 | 96,187,000 | 97,822,000 | 97,407,000 |