Call reports 2003
PHILO EXCHANGE BANK — 2003
What PHILO EXCHANGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 33,179,000 | 34,000,000 | 33,221,000 | 33,267,000 |
| Total loans | 18,263,000 | 20,010,000 | 19,542,000 | 20,175,000 |
| Allowance for loan losses | 509,000 | 509,000 | 509,000 | 488,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,488,000 | 8,020,000 | 8,011,000 | 8,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,723,000 | 27,498,000 | 26,621,000 | 26,947,000 |
| Interest-bearing deposits | 22,548,000 | 22,674,000 | 22,142,000 | 21,958,000 |
| Noninterest-bearing deposits | 4,175,000 | 4,824,000 | 4,479,000 | 4,989,000 |
| Equity capital | 6,323,000 | 6,376,000 | 6,470,000 | 6,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 825,000 | 1,236,000 | 1,633,000 |
| Interest expense | 114,000 | 212,000 | 306,000 | 392,000 |
| Net interest income | 293,000 | 613,000 | 930,000 | 1,241,000 |
| Noninterest income | 42,000 | 93,000 | 131,000 | 163,000 |
| Noninterest expense | 211,000 | 437,000 | 650,000 | 852,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 124,000 | 269,000 | 411,000 | 552,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 124,000 | 269,000 | 411,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,682,000 | 4,747,000 | 4,852,000 | 4,593,000 |
| Total capital | 4,954,000 | 5,040,000 | 5,138,000 | 4,884,000 |
| Risk-weighted assets | 21,488,000 | 23,255,000 | 22,692,000 | 23,068,000 |