Call reports 2023
PHENIX-GIRARD BANK — 2023
What PHENIX-GIRARD BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 266,950,000 | 259,630,000 | 256,781,000 | 282,344,000 |
| Total loans | 75,225,000 | 79,781,000 | 77,717,000 | 78,554,000 |
| Allowance for loan losses | 1,161,000 | 1,169,000 | 1,183,000 | 1,192,000 |
| Securities available for sale | 152,277,000 | 151,581,000 | 149,960,000 | 162,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,024,000 | 254,377,000 | 258,985,000 | 274,715,000 |
| Interest-bearing deposits | 195,696,000 | 191,024,000 | 196,879,000 | 212,568,000 |
| Noninterest-bearing deposits | 65,328,000 | 63,353,000 | 62,106,000 | 62,147,000 |
| Equity capital | -2,095,000 | -1,673,000 | -10,528,000 | 595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,460,000 | 8,326,000 | 11,343,000 |
| Interest expense | 989,000 | 2,272,000 | 3,584,000 | 4,901,000 |
| Net interest income | 1,730,000 | 3,188,000 | 4,742,000 | 6,442,000 |
| Noninterest income | 563,000 | 751,000 | 1,134,000 | 1,419,000 |
| Noninterest expense | 1,471,000 | 2,922,000 | 4,446,000 | 5,994,000 |
| Provision for loan losses | 15,000 | 30,000 | 53,000 | 75,000 |
| Pretax income | 830,000 | 1,012,000 | 1,362,000 | 1,849,000 |
| Income tax | 52,000 | 70,000 | 97,000 | 147,000 |
| Net income | 778,000 | 942,000 | 1,265,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,428,000 | 38,766,000 | 39,082,000 | 39,518,000 |