Call reports 2004
PHILO EXCHANGE BANK — 2004
What PHILO EXCHANGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,791,000 | 35,674,000 | 34,870,000 | 54,624,000 |
| Total loans | 20,644,000 | 21,635,000 | 22,081,000 | 30,982,000 |
| Allowance for loan losses | 488,000 | 489,000 | 489,000 | 545,000 |
| Securities available for sale | 0 | 0 | 0 | 13,488,000 |
| Securities held to maturity | 8,153,000 | 8,094,000 | 7,338,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,382,000 | 29,195,000 | 28,260,000 | 46,302,000 |
| Interest-bearing deposits | 23,181,000 | 24,083,000 | 23,893,000 | 38,403,000 |
| Noninterest-bearing deposits | 6,201,000 | 5,112,000 | 4,367,000 | 7,899,000 |
| Equity capital | 6,311,000 | 6,380,000 | 6,502,000 | 7,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 789,000 | 1,196,000 | 2,343,000 |
| Interest expense | 85,000 | 166,000 | 248,000 | 527,000 |
| Net interest income | 302,000 | 623,000 | 948,000 | 1,816,000 |
| Noninterest income | 37,000 | 81,000 | 131,000 | 218,000 |
| Noninterest expense | 227,000 | 451,000 | 650,000 | 1,329,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 253,000 | 429,000 | 705,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 112,000 | 253,000 | 429,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,717,000 | 4,798,000 | 4,931,000 | 6,183,000 |
| Total capital | 5,019,000 | 5,134,000 | 5,270,000 | 6,669,000 |
| Risk-weighted assets | 23,953,000 | 26,704,000 | 27,006,000 | 38,813,000 |