Call reports 2012
PHILO EXCHANGE BANK — 2012
What PHILO EXCHANGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 86,341,000 | 86,355,000 | 84,526,000 | 86,173,000 |
| Total loans | 38,158,000 | 39,015,000 | 41,732,000 | 42,789,000 |
| Allowance for loan losses | 509,000 | 509,000 | 545,000 | 746,000 |
| Securities available for sale | 33,402,000 | 34,343,000 | 32,850,000 | 31,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,647,000 | 76,594,000 | 74,608,000 | 76,439,000 |
| Interest-bearing deposits | 59,044,000 | 58,149,000 | 59,263,000 | 57,491,000 |
| Noninterest-bearing deposits | 17,603,000 | 18,445,000 | 15,345,000 | 18,948,000 |
| Equity capital | 9,490,000 | 9,565,000 | 9,697,000 | 9,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 602,000 | 1,189,000 | 1,783,000 | 2,389,000 |
| Interest expense | 53,000 | 102,000 | 153,000 | 201,000 |
| Net interest income | 549,000 | 1,087,000 | 1,630,000 | 2,188,000 |
| Noninterest income | 61,000 | 107,000 | 163,000 | 223,000 |
| Noninterest expense | 390,000 | 782,000 | 1,180,000 | 1,562,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 225,000 |
| Pretax income | 195,000 | 387,000 | 588,000 | 624,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | 387,000 | 588,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,641,000 | 7,768,000 | 7,909,000 | 7,802,000 |
| Total capital | 8,150,000 | 8,277,000 | 8,454,000 | 8,387,000 |
| Risk-weighted assets | 41,687,000 | 43,320,000 | 46,360,000 | 46,603,000 |