Call reports 2018
PHENIX-GIRARD BANK — 2018
What PHENIX-GIRARD BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 166,838,000 | 172,204,000 | 171,658,000 | 184,522,000 |
| Total loans | 74,158,000 | 73,654,000 | 74,311,000 | 74,350,000 |
| Allowance for loan losses | 952,000 | 956,000 | 891,000 | 908,000 |
| Securities available for sale | 69,750,000 | 73,086,000 | 73,252,000 | 73,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,572,000 | 141,901,000 | 136,116,000 | 147,961,000 |
| Interest-bearing deposits | 97,932,000 | 103,649,000 | 98,663,000 | 109,767,000 |
| Noninterest-bearing deposits | 38,640,000 | 38,252,000 | 37,453,000 | 38,194,000 |
| Equity capital | 25,510,000 | 25,482,000 | 24,902,000 | 26,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,446,000 | 2,925,000 | 4,437,000 | 6,044,000 |
| Interest expense | 194,000 | 376,000 | 591,000 | 818,000 |
| Net interest income | 1,252,000 | 2,549,000 | 3,846,000 | 5,226,000 |
| Noninterest income | 455,000 | 953,000 | 1,437,000 | 1,930,000 |
| Noninterest expense | 1,251,000 | 2,524,000 | 3,768,000 | 5,056,000 |
| Provision for loan losses | 20,000 | 26,000 | 39,000 | 64,000 |
| Pretax income | 436,000 | 952,000 | 1,476,000 | 2,036,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 138,000 |
| Net income | 400,000 | 880,000 | 1,368,000 | 1,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,117,000 | 29,210,000 | 29,626,000 | 29,549,000 |
| Total capital | 30,466,000 | 30,571,000 | 30,884,000 | 30,822,000 |
| Risk-weighted assets | 99,242,000 | 103,924,000 | 103,325,000 | 102,592,000 |