Call reports 2024
PHENIX-GIRARD BANK — 2024
What PHENIX-GIRARD BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 283,033,000 | 282,643,000 | 296,292,000 | 309,995,000 |
| Total loans | 77,546,000 | 81,577,000 | 75,618,000 | 77,090,000 |
| Allowance for loan losses | 1,201,000 | 1,203,000 | 1,203,000 | 1,210,000 |
| Securities available for sale | 170,831,000 | 172,135,000 | 179,216,000 | 170,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,535,000 | 273,966,000 | 280,279,000 | 303,329,000 |
| Interest-bearing deposits | 210,888,000 | 209,931,000 | 217,527,000 | 239,786,000 |
| Noninterest-bearing deposits | 65,647,000 | 64,035,000 | 62,752,000 | 63,543,000 |
| Equity capital | -534,000 | 1,616,000 | 8,812,000 | -720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,159,000 | 6,372,000 | 9,639,000 | 13,051,000 |
| Interest expense | 1,430,000 | 2,839,000 | 4,283,000 | 5,816,000 |
| Net interest income | 1,729,000 | 3,533,000 | 5,356,000 | 7,235,000 |
| Noninterest income | 390,000 | 760,000 | 1,190,000 | 1,588,000 |
| Noninterest expense | 1,560,000 | 3,148,000 | 4,831,000 | 6,390,000 |
| Provision for loan losses | 15,000 | 21,000 | 27,000 | 33,000 |
| Pretax income | 531,000 | 1,113,000 | 1,733,000 | 2,408,000 |
| Income tax | 15,000 | 43,000 | 69,000 | 101,000 |
| Net income | 516,000 | 1,070,000 | 1,664,000 | 2,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,151,000 | 40,704,000 | 41,304,000 | 40,946,000 |