Call reports 2014
PHOENIXVILLE FEDERAL BANK AND TRUST — 2014
What PHOENIXVILLE FEDERAL BANK AND TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 395,656,000 | 394,693,000 | 386,592,000 | 382,693,000 |
| Total loans | 244,167,000 | 239,758,000 | 237,776,000 | 239,721,000 |
| Allowance for loan losses | 5,005,000 | 4,955,000 | 3,838,000 | 3,741,000 |
| Securities available for sale | 80,162,000 | 90,482,000 | 90,071,000 | 88,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,585,000 | 348,086,000 | 339,060,000 | 334,226,000 |
| Interest-bearing deposits | 318,608,000 | 316,872,000 | 311,098,000 | 305,001,000 |
| Noninterest-bearing deposits | 30,977,000 | 31,214,000 | 27,962,000 | 29,225,000 |
| Equity capital | 43,993,000 | 44,565,000 | 45,381,000 | 46,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,489,000 | 6,812,000 | 10,197,000 | 13,418,000 |
| Interest expense | 459,000 | 905,000 | 1,345,000 | 1,752,000 |
| Net interest income | 3,030,000 | 5,907,000 | 8,852,000 | 11,666,000 |
| Noninterest income | 600,000 | 1,293,000 | 1,850,000 | 2,438,000 |
| Noninterest expense | 3,188,000 | 6,278,000 | 9,157,000 | 12,035,000 |
| Provision for loan losses | 0 | 0 | -891,000 | -891,000 |
| Pretax income | 464,000 | 1,058,000 | 2,572,000 | 3,096,000 |
| Income tax | 193,000 | 384,000 | 1,155,000 | 1,303,000 |
| Net income | 271,000 | 674,000 | 1,417,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,324,000 | 45,728,000 | 46,505,000 | 46,892,000 |
| Total capital | 48,111,000 | 48,538,000 | 49,356,000 | 49,709,000 |
| Risk-weighted assets | 220,669,000 | 222,565,000 | 227,026,000 | 224,331,000 |