Call reports 2006
PHILO EXCHANGE BANK — 2006
What PHILO EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,820,000 | 53,634,000 | 52,967,000 | 54,229,000 |
| Total loans | 29,071,000 | 28,973,000 | 30,987,000 | 30,572,000 |
| Allowance for loan losses | 540,000 | 540,000 | 540,000 | 540,000 |
| Securities available for sale | 17,556,000 | 17,262,000 | 16,356,000 | 18,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,100,000 | 45,830,000 | 44,709,000 | 45,755,000 |
| Interest-bearing deposits | 38,457,000 | 38,266,000 | 36,547,000 | 36,246,000 |
| Noninterest-bearing deposits | 9,643,000 | 7,564,000 | 8,162,000 | 9,509,000 |
| Equity capital | 7,530,000 | 7,589,000 | 7,957,000 | 7,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 695,000 | 1,414,000 | 2,137,000 | 2,887,000 |
| Interest expense | 215,000 | 456,000 | 716,000 | 997,000 |
| Net interest income | 480,000 | 958,000 | 1,421,000 | 1,890,000 |
| Noninterest income | 59,000 | 121,000 | 188,000 | 262,000 |
| Noninterest expense | 382,000 | 716,000 | 1,052,000 | 1,354,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 157,000 | 363,000 | 557,000 | 798,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 157,000 | 363,000 | 557,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,405,000 | 6,561,000 | 6,692,000 | 6,283,000 |
| Total capital | 6,823,000 | 7,030,000 | 7,124,000 | 6,770,000 |
| Risk-weighted assets | 33,359,000 | 37,441,000 | 34,483,000 | 38,926,000 |