Call reports 2022
PHENIX-GIRARD BANK — 2022
What PHENIX-GIRARD BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 285,457,000 | 268,241,000 | 263,663,000 | 265,342,000 |
| Total loans | 74,569,000 | 70,293,000 | 69,277,000 | 67,031,000 |
| Allowance for loan losses | 1,124,000 | 1,140,000 | 1,152,000 | 1,160,000 |
| Securities available for sale | 152,240,000 | 144,322,000 | 142,159,000 | 141,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,065,000 | 258,343,000 | 263,236,000 | 266,874,000 |
| Interest-bearing deposits | 186,889,000 | 189,455,000 | 194,256,000 | 201,281,000 |
| Noninterest-bearing deposits | 71,176,000 | 68,888,000 | 68,980,000 | 65,593,000 |
| Equity capital | 19,555,000 | 1,740,000 | -7,566,000 | -8,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,979,000 | 4,094,000 | 6,464,000 | 8,973,000 |
| Interest expense | 83,000 | 200,000 | 434,000 | 981,000 |
| Net interest income | 1,896,000 | 3,894,000 | 6,030,000 | 7,992,000 |
| Noninterest income | 508,000 | 975,000 | 1,378,000 | 2,183,000 |
| Noninterest expense | 1,605,000 | 3,130,000 | 4,726,000 | 6,293,000 |
| Provision for loan losses | 25,000 | 47,000 | 70,000 | 92,000 |
| Pretax income | 795,000 | 1,645,000 | 2,482,000 | 3,724,000 |
| Income tax | 79,000 | 156,000 | 234,000 | 261,000 |
| Net income | 716,000 | 1,489,000 | 2,248,000 | 3,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,735,000 | 37,414,000 | 38,174,000 | 37,890,000 |