Call reports 2020
PHENIX-GIRARD BANK — 2020
What PHENIX-GIRARD BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 196,171,000 | 220,176,000 | 221,189,000 | 234,399,000 |
| Total loans | 72,682,000 | 73,174,000 | 75,018,000 | 77,476,000 |
| Allowance for loan losses | 990,000 | 1,017,000 | 1,041,000 | 1,053,000 |
| Securities available for sale | 92,704,000 | 93,063,000 | 107,273,000 | 112,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,013,000 | 177,777,000 | 176,854,000 | 191,479,000 |
| Interest-bearing deposits | 118,793,000 | 123,924,000 | 125,363,000 | 135,585,000 |
| Noninterest-bearing deposits | 42,220,000 | 53,853,000 | 51,491,000 | 55,894,000 |
| Equity capital | 28,747,000 | 35,613,000 | 37,556,000 | 37,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,747,000 | 3,599,000 | 5,308,000 | 7,028,000 |
| Interest expense | 179,000 | 233,000 | 293,000 | 372,000 |
| Net interest income | 1,568,000 | 3,366,000 | 5,015,000 | 6,656,000 |
| Noninterest income | 456,000 | 1,047,000 | 1,543,000 | 1,684,000 |
| Noninterest expense | 1,342,000 | 2,619,000 | 3,923,000 | 5,206,000 |
| Provision for loan losses | 40,000 | 80,000 | 110,000 | 130,000 |
| Pretax income | 879,000 | 2,169,000 | 2,970,000 | 4,078,000 |
| Income tax | 42,000 | 108,000 | 186,000 | 284,000 |
| Net income | 837,000 | 2,061,000 | 2,784,000 | 3,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,350,000 | 32,475,000 | 32,642,000 | 33,031,000 |