Call reports 2008
PHILO EXCHANGE BANK — 2008
What PHILO EXCHANGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,248,000 | 64,794,000 | 63,371,000 | 63,903,000 |
| Total loans | 33,398,000 | 34,535,000 | 36,504,000 | 37,609,000 |
| Allowance for loan losses | 532,000 | 532,000 | 523,000 | 516,000 |
| Securities available for sale | 20,383,000 | 22,781,000 | 21,880,000 | 21,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,275,000 | 56,234,000 | 54,216,000 | 54,011,000 |
| Interest-bearing deposits | 45,173,000 | 44,396,000 | 43,108,000 | 42,894,000 |
| Noninterest-bearing deposits | 12,102,000 | 11,838,000 | 11,108,000 | 11,117,000 |
| Equity capital | 8,686,000 | 8,287,000 | 8,615,000 | 8,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,637,000 | 2,429,000 | 3,182,000 |
| Interest expense | 312,000 | 593,000 | 852,000 | 1,099,000 |
| Net interest income | 518,000 | 1,044,000 | 1,577,000 | 2,083,000 |
| Noninterest income | 64,000 | 125,000 | 191,000 | 251,000 |
| Noninterest expense | 364,000 | 723,000 | 1,096,000 | 1,428,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 218,000 | 446,000 | 672,000 | 906,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 446,000 | 672,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,560,000 | 6,673,000 | 6,899,000 | 6,377,000 |
| Total capital | 7,092,000 | 7,205,000 | 7,422,000 | 6,893,000 |
| Risk-weighted assets | 43,129,000 | 43,708,000 | 45,104,000 | 45,439,000 |