Call reports 2025
PHENIX-GIRARD BANK — 2025
What PHENIX-GIRARD BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 321,186,000 | 323,284,000 | 327,235,000 | 345,388,000 |
| Total loans | 81,200,000 | 82,344,000 | 83,323,000 | 82,185,000 |
| Allowance for loan losses | 1,214,000 | 1,220,000 | 1,227,000 | 1,088,000 |
| Securities available for sale | 196,887,000 | 199,182,000 | 207,813,000 | 215,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,933,000 | 311,033,000 | 309,387,000 | 327,931,000 |
| Interest-bearing deposits | 246,096,000 | 243,551,000 | 243,293,000 | 260,414,000 |
| Noninterest-bearing deposits | 63,837,000 | 67,482,000 | 66,094,000 | 67,517,000 |
| Equity capital | 3,318,000 | 3,059,000 | 8,312,000 | 8,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,634,000 | 7,294,000 | 11,048,000 | 14,882,000 |
| Interest expense | 1,578,000 | 3,145,000 | 4,730,000 | 6,318,000 |
| Net interest income | 2,056,000 | 4,149,000 | 6,318,000 | 8,564,000 |
| Noninterest income | 440,000 | 856,000 | 1,249,000 | 1,691,000 |
| Noninterest expense | 1,699,000 | 3,447,000 | 5,235,000 | 7,139,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 9,000 |
| Pretax income | 771,000 | 1,595,000 | 2,361,000 | 3,269,000 |
| Income tax | 55,000 | 117,000 | 189,000 | 287,000 |
| Net income | 716,000 | 1,478,000 | 2,172,000 | 2,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,654,000 | 42,416,000 | 43,149,000 | 43,013,000 |