Call reports 2017
PHENIX-GIRARD BANK — 2017
What PHENIX-GIRARD BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 175,033,000 | 172,969,000 | 169,785,000 | 182,059,000 |
| Total loans | 68,909,000 | 65,849,000 | 68,559,000 | 71,784,000 |
| Allowance for loan losses | 934,000 | 936,000 | 954,000 | 928,000 |
| Securities available for sale | 73,978,000 | 76,382,000 | 74,291,000 | 71,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,226,000 | 133,506,000 | 130,285,000 | 143,132,000 |
| Interest-bearing deposits | 97,484,000 | 96,428,000 | 92,944,000 | 102,939,000 |
| Noninterest-bearing deposits | 39,742,000 | 37,078,000 | 37,341,000 | 40,193,000 |
| Equity capital | 25,323,000 | 26,911,000 | 26,777,000 | 26,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,808,000 | 4,220,000 | 5,670,000 |
| Interest expense | 183,000 | 386,000 | 477,000 | 676,000 |
| Net interest income | 1,222,000 | 2,422,000 | 3,743,000 | 4,994,000 |
| Noninterest income | 595,000 | 1,166,000 | 1,686,000 | 2,266,000 |
| Noninterest expense | 1,261,000 | 2,602,000 | 3,873,000 | 5,116,000 |
| Provision for loan losses | 30,000 | 46,000 | 71,000 | 86,000 |
| Pretax income | 526,000 | 940,000 | 1,529,000 | 2,122,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 144,000 |
| Net income | 490,000 | 868,000 | 1,421,000 | 1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,618,000 | 27,994,000 | 28,196,000 | 28,739,000 |
| Total capital | 28,552,000 | 28,930,000 | 29,150,000 | 29,667,000 |
| Risk-weighted assets | 98,360,000 | 97,606,000 | 95,287,000 | 101,523,000 |