Call reports 2013
PHOENIXVILLE FEDERAL BANK AND TRUST — 2013
What PHOENIXVILLE FEDERAL BANK AND TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 389,953,000 | 395,986,000 | 384,249,000 | 388,182,000 |
| Total loans | 254,483,000 | 245,378,000 | 241,831,000 | 245,477,000 |
| Allowance for loan losses | 4,968,000 | 5,084,000 | 5,017,000 | 5,008,000 |
| Securities available for sale | 69,311,000 | 73,648,000 | 80,005,000 | 81,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,799,000 | 351,175,000 | 339,606,000 | 342,797,000 |
| Interest-bearing deposits | 317,868,000 | 324,055,000 | 316,197,000 | 315,785,000 |
| Noninterest-bearing deposits | 25,931,000 | 27,121,000 | 23,410,000 | 27,012,000 |
| Equity capital | 43,394,000 | 42,798,000 | 42,777,000 | 43,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,686,000 | 7,309,000 | 10,931,000 | 14,554,000 |
| Interest expense | 580,000 | 1,131,000 | 1,672,000 | 2,165,000 |
| Net interest income | 3,106,000 | 6,178,000 | 9,259,000 | 12,389,000 |
| Noninterest income | 595,000 | 1,243,000 | 1,803,000 | 2,433,000 |
| Noninterest expense | 3,177,000 | 6,196,000 | 9,110,000 | 12,170,000 |
| Provision for loan losses | 2,587,000 | 2,587,000 | 2,507,000 | 2,507,000 |
| Pretax income | -1,672,000 | -971,000 | -164,000 | 536,000 |
| Income tax | -611,000 | -420,000 | -154,000 | 6,000 |
| Net income | -1,061,000 | -551,000 | -10,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,467,000 | 43,967,000 | 44,498,000 | 45,054,000 |
| Total capital | 46,359,000 | 46,734,000 | 47,226,000 | 47,853,000 |
| Risk-weighted assets | 229,207,000 | 218,967,000 | 215,668,000 | 221,607,000 |