Vitals
  • Total Assets
    181.2M 6.3 %
  • Total Deposits
    135.8M 7.1 %
  • Total Net Loans
    65.8M -10.5 %
  • Net Income
    1.5M 12.3 %
  • Book Value
    27.5M 5.3 %
  • Book Value x2
    54.9M 5.3 %
  • Book Value x3
    82.4M 5.3 %
ROAA

1.073

ROAE

7.319

Efficiency Ratio

68.65

Net Interest Margin

3.138

Balance Sheet Highlights
Financial Highlights Phenix-Girard Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 181,151 262,366
Total Net Loans 65,840 153,206
Total Deposits 135,841 221,747
Total Equity 27,463 31,740
Profitability
Net Income 1,488 1,948
Return on Average Assets 1.073 .919
Return on Average Equity 7.319 7.567
Net Interest Margin 3.138 3.875
Efficiency Ratio 68.65 69.018
Noninterest Income/Revenue 31.549 15.504
Balance Sheet Ratios
Loan-to-Deposit 48.468 65.063
Securities/Assets .407 .233
Total Equity/Total Assets .152 .121
Tangible Equity/Tangible Assets .152 .119
Capital Adequacy
Tier 1 Common Capital 27,278 30,064
Tier 1 Capital 27,278 30,064
Tier 2 Capital 888 1,856
Total Capital 28,166 31,916
Total Risk Weighted Assets 97,822 178,436
Leverage Ratio 14.9 11.795
Common Equity Tier 1 Capital Ratio 27.89 18.994
Tier 1 Capital Ratio 27.89 18.999
Total Capital Ratio 28.79 20.08

Timeline for Phenix-Girard Bank

Phenix-Girard Bancshares, Inc.

Phenix-Girard Bancshares, Inc. became a new parent organization for Phenix-Girard Bank.

View Profile Dec 09 1992

Phenix-Girard Bank

Phenix-Girard Bank was established 120 years ago and is currently headquartered in Phenix City, AL.

May 04 1904
Relationships Role Relationship Start Relationship End
Phenix-Girard Bancshares, Inc. Parent 12/9/1992
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