Call reports 2007
PHILO EXCHANGE BANK — 2007
What PHILO EXCHANGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 55,748,000 | 57,904,000 | 59,084,000 | 58,830,000 |
| Total loans | 29,073,000 | 30,708,000 | 33,811,000 | 34,380,000 |
| Allowance for loan losses | 540,000 | 545,000 | 545,000 | 533,000 |
| Securities available for sale | 19,352,000 | 19,562,000 | 18,851,000 | 18,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,658,000 | 49,793,000 | 50,439,000 | 50,480,000 |
| Interest-bearing deposits | 38,245,000 | 40,940,000 | 39,762,000 | 39,407,000 |
| Noninterest-bearing deposits | 9,413,000 | 8,853,000 | 10,677,000 | 11,073,000 |
| Equity capital | 7,841,000 | 7,816,000 | 8,280,000 | 8,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,572,000 | 2,392,000 | 3,248,000 |
| Interest expense | 283,000 | 585,000 | 907,000 | 1,225,000 |
| Net interest income | 496,000 | 987,000 | 1,485,000 | 2,023,000 |
| Noninterest income | 64,000 | 136,000 | 206,000 | 271,000 |
| Noninterest expense | 351,000 | 697,000 | 1,044,000 | 1,403,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 426,000 | 647,000 | 891,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 209,000 | 426,000 | 647,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,504,000 | 6,624,000 | 6,806,000 | 6,330,000 |
| Total capital | 6,977,000 | 7,047,000 | 7,336,000 | 6,781,000 |
| Risk-weighted assets | 37,799,000 | 33,715,000 | 42,413,000 | 36,018,000 |