Call reports 2010
PHILO EXCHANGE BANK — 2010
What PHILO EXCHANGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 76,535,000 | 75,828,000 | 78,518,000 | 75,250,000 |
| Total loans | 34,754,000 | 35,368,000 | 36,148,000 | 36,868,000 |
| Allowance for loan losses | 499,000 | 510,000 | 510,000 | 511,000 |
| Securities available for sale | 31,921,000 | 31,606,000 | 31,503,000 | 32,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,218,000 | 66,743,000 | 69,122,000 | 64,851,000 |
| Interest-bearing deposits | 54,079,000 | 56,231,000 | 54,937,000 | 52,302,000 |
| Noninterest-bearing deposits | 13,138,000 | 10,512,000 | 14,185,000 | 12,549,000 |
| Equity capital | 8,508,000 | 8,858,000 | 9,144,000 | 8,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 693,000 | 1,377,000 | 2,064,000 | 2,743,000 |
| Interest expense | 150,000 | 280,000 | 406,000 | 514,000 |
| Net interest income | 543,000 | 1,097,000 | 1,658,000 | 2,229,000 |
| Noninterest income | 53,000 | 110,000 | 184,000 | 257,000 |
| Noninterest expense | 396,000 | 791,000 | 1,187,000 | 1,548,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 416,000 | 655,000 | 938,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 416,000 | 655,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,564,000 | 6,714,000 | 6,911,000 | 6,980,000 |
| Total capital | 7,032,000 | 7,186,000 | 7,392,000 | 7,474,000 |
| Risk-weighted assets | 37,410,000 | 37,690,000 | 38,472,000 | 39,476,000 |