Phenix-Girard Bank

801 13th Street
Phenix City, AL 36867

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 41
Date Established 1904
Assets $0.19 billion
Loans $0.07 billion
Deposits $0.15 billion
Capital $0.03 billion

Phenix-Girard Bank is an FDIC insured institution located in Phenix City, AL. It was founded in 1904 and has approximately $0.19 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Phenix-Girard Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.06% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.11% $500 - Learn MoreShow Less
6 Mo CD
0.15% $500 - Learn MoreShow Less
12 Mo CD
0.45% $500 - Learn MoreShow Less
18 Mo CD
0.30% $500 - Learn MoreShow Less
24 Mo CD
0.37% $500 - Learn MoreShow Less
30 Mo CD
0.40% $500 - Learn MoreShow Less
36 Mo CD
0.60% $500 - Learn MoreShow Less
48 Mo CD
1.10% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.45% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.04% $1,000 - Learn MoreShow Less

Loan Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Phenix-Girard Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to Phenix-Girard Bank
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Branches

Phenix-Girard Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Phenix-Girard Bank Locations


Financial Details

Phenix-Girard Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Phenix-Girard Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Phenix-Girard Bank U.S. Bank Average
8.52% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Phenix-Girard Bank had $470,000 in non-current loans and $2,035,000 in owned real estate. To cover these potential losses it had $28,478,000 in equity and $937,000 in loans loss reserves. That gives it a Texas Ratio of 8.52%.

Return on Equity
Phenix-Girard Bank U.S. Bank Average
5.93% 9.47%

Phenix-Girard Bank has a Return on Equity of 5.93% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Phenix-Girard Bank U.S. Bank Average
15.04% 12.49%

Phenix-Girard Bank has a Capitalization of 15.04% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Phenix-Girard Bank Balance Sheet Analysis

As of March 31, 2019, Phenix-Girard Bank had assets of $189,374,000, loans of $74,644,000, and deposits of $150,696,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.16 billion
LIABILITIES
Total deposits $0.15 billion
      Interest-bearing deposits $0.11 billion
      Deposits held in domestic offices $0.15 billion
      % insured (estimated) 65.43%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.16 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Phenix-Girard Bank’s loan portfolio are Construction and Development Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Alabama, Phenix-Girard Bank has a significantly higher percent of Small Business Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.07
Multifamily
Mortgages
4.53
Credit Card Loans 0.00
Consumer Auto Loans 0.24
Small Business Loans 17.50
Construction and Development Loans 36.45
Commercial Real Estate 30.52
Commercial and Industrial Loans 3.60
Farm Loans 0.00

Frequently Asked Questions About Phenix-girard Bank

Branches and Savings

Is Phenix-girard Bank FDIC insured?

Yes. It is covered under FDIC Certificate #41.

Why does Phenix-girard Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Phenix-girard Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Phenix-girard Bank a commercial bank?

Yes

Where are Phenix-girard Bank locations?

See branch locations nearby.

Is Phenix-girard Bank open on Saturdays?

Is Phenix-girard Bank open on Sundays?

What time does Phenix-girard Bank open?

What time does Phenix-girard Bank close?

Are Phenix-girard Bank ATMs Open 24/7?

Do Phenix-girard Bank ATMs accept cash deposits?

Can Phenix-girard Bank customers use other ATMs?

Do Phenix-girard Bank branches have notaries?

Will Phenix-girard Bank notarize my document?

What address for Phenix-girard Bank should I put for incoming ACH transfers?

Will the Phenix-girard Bank branch print checks?

Do Phenix-girard Bank checks expire?

Does Phenix-girard Bank require US citizenship to open account?

Can Phenix-girard Bank close my account?

Does Phenix-girard Bank Report to credit bureaus?

Does Phenix-girard Bank Use Equifax?

What is Phenix-girard Bank's ACH Routing Number?

What is Phenix-girard Bank's SWIFT code?

Products

Does Phenix-girard Bank offer mortgages?

Compare mortgage rates here.

Does Phenix-girard Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Phenix-girard Bank offer personal loans?

Compare personal loan rates here.

Does Phenix-girard Bank offer student loans?

Will Phenix-girard Bank cash a check?

Will Phenix-girard Bank redeem a savings bond?

Does Phenix-girard Bank cash savings bonds?

Will Phenix-girard Bank cash money orders?

Can Phenix-girard Bank issue a money order?

Does Phenix-girard Bank do currency exchange?

Background on The Bank

Who owns Phenix-girard Bank?

How long has Phenix-girard Bank been around?

Can Phenix-girard Bank transfer to other banks?

Does Phenix-girard Bank have quick pay?

Does Phenix-girard Bank accept rolled coins?

Will Phenix-girard Bank accept loose change?

Where is Phenix-girard Bank headquarters?

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