Call reports 2019
PHENIX-GIRARD BANK — 2019
What PHENIX-GIRARD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 189,374,000 | 195,582,000 | 190,561,000 | 196,386,000 |
| Total loans | 75,581,000 | 75,903,000 | 74,633,000 | 71,460,000 |
| Allowance for loan losses | 937,000 | 951,000 | 939,000 | 955,000 |
| Securities available for sale | 81,226,000 | 86,536,000 | 95,870,000 | 98,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,696,000 | 155,735,000 | 152,368,000 | 159,762,000 |
| Interest-bearing deposits | 111,876,000 | 113,945,000 | 110,409,000 | 117,568,000 |
| Noninterest-bearing deposits | 38,820,000 | 41,790,000 | 41,959,000 | 42,194,000 |
| Equity capital | 28,478,000 | 30,637,000 | 32,031,000 | 31,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,385,000 | 5,171,000 | 6,917,000 |
| Interest expense | 314,000 | 648,000 | 934,000 | 1,139,000 |
| Net interest income | 1,317,000 | 2,737,000 | 4,237,000 | 5,778,000 |
| Noninterest income | 242,000 | 682,000 | 1,080,000 | 1,636,000 |
| Noninterest expense | 1,086,000 | 2,426,000 | 3,619,000 | 4,707,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 443,000 | 1,082,000 | 1,758,000 | 2,737,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 181,000 |
| Net income | 407,000 | 1,010,000 | 1,650,000 | 2,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,626,000 | 30,231,000 | 30,219,000 | 31,127,000 |
| Total capital | 30,912,000 | 31,529,000 | 31,473,000 | 32,395,000 |
| Risk-weighted assets | 105,692,000 | 111,544,000 | 106,751,000 | 109,591,000 |