Call reports 2009
PHILO EXCHANGE BANK — 2009
What PHILO EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 67,480,000 | 71,558,000 | 72,923,000 | 73,116,000 |
| Total loans | 36,660,000 | 35,065,000 | 36,658,000 | 38,040,000 |
| Allowance for loan losses | 513,000 | 513,000 | 519,000 | 495,000 |
| Securities available for sale | 23,800,000 | 29,094,000 | 29,537,000 | 29,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,503,000 | 62,604,000 | 63,764,000 | 64,105,000 |
| Interest-bearing deposits | 46,401,000 | 51,483,000 | 54,023,000 | 52,902,000 |
| Noninterest-bearing deposits | 12,102,000 | 11,121,000 | 9,741,000 | 11,203,000 |
| Equity capital | 8,719,000 | 8,668,000 | 8,885,000 | 8,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,403,000 | 2,103,000 | 2,819,000 |
| Interest expense | 201,000 | 385,000 | 559,000 | 725,000 |
| Net interest income | 505,000 | 1,018,000 | 1,544,000 | 2,094,000 |
| Noninterest income | 62,000 | 130,000 | 192,000 | 248,000 |
| Noninterest expense | 365,000 | 758,000 | 1,168,000 | 1,573,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 390,000 | 568,000 | 769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 202,000 | 390,000 | 568,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,591,000 | 6,662,000 | 6,768,000 | 6,424,000 |
| Total capital | 7,104,000 | 7,139,000 | 7,287,000 | 6,919,000 |
| Risk-weighted assets | 45,312,000 | 38,088,000 | 44,501,000 | 40,508,000 |