Call reports 2021
PHENIX-GIRARD BANK — 2021
What PHENIX-GIRARD BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 244,981,000 | 268,250,000 | 276,181,000 | 285,239,000 |
| Total loans | 77,252,000 | 76,731,000 | 75,837,000 | 74,195,000 |
| Allowance for loan losses | 1,058,000 | 1,079,000 | 1,093,000 | 1,112,000 |
| Securities available for sale | 111,804,000 | 126,730,000 | 134,087,000 | 151,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,234,000 | 224,796,000 | 232,598,000 | 242,418,000 |
| Interest-bearing deposits | 145,538,000 | 161,868,000 | 165,884,000 | 176,896,000 |
| Noninterest-bearing deposits | 59,696,000 | 62,928,000 | 66,714,000 | 65,522,000 |
| Equity capital | 33,527,000 | 36,547,000 | 36,277,000 | 36,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,688,000 | 3,463,000 | 5,285,000 | 7,154,000 |
| Interest expense | 60,000 | 124,000 | 195,000 | 274,000 |
| Net interest income | 1,628,000 | 3,339,000 | 5,090,000 | 6,880,000 |
| Noninterest income | 568,000 | 1,235,000 | 1,807,000 | 2,348,000 |
| Noninterest expense | 1,445,000 | 3,058,000 | 4,453,000 | 6,157,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 2,005,000 | 2,735,000 | 4,099,000 | 4,733,000 |
| Income tax | 78,000 | 156,000 | 235,000 | 338,000 |
| Net income | 1,927,000 | 2,579,000 | 3,864,000 | 4,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,957,000 | 35,610,000 | 35,495,000 | 36,019,000 |