Call reports 2014
PHILO EXCHANGE BANK — 2014
What PHILO EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 92,152,000 | 89,146,000 | 87,261,000 | 86,931,000 |
| Total loans | 44,532,000 | 44,978,000 | 46,406,000 | 46,341,000 |
| Allowance for loan losses | 698,000 | 686,000 | 732,000 | 661,000 |
| Securities available for sale | 33,588,000 | 34,546,000 | 31,925,000 | 30,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,491,000 | 79,403,000 | 75,432,000 | 75,063,000 |
| Interest-bearing deposits | 62,152,000 | 60,542,000 | 58,783,000 | 56,489,000 |
| Noninterest-bearing deposits | 20,339,000 | 18,861,000 | 16,649,000 | 18,574,000 |
| Equity capital | 9,362,000 | 9,495,000 | 9,564,000 | 9,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 542,000 | 1,107,000 | 1,691,000 | 2,259,000 |
| Interest expense | 40,000 | 79,000 | 119,000 | 156,000 |
| Net interest income | 502,000 | 1,028,000 | 1,572,000 | 2,103,000 |
| Noninterest income | 57,000 | 115,000 | 175,000 | 236,000 |
| Noninterest expense | 424,000 | 843,000 | 1,258,000 | 1,692,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 135,000 | 300,000 | 489,000 | 647,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 300,000 | 489,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,226,000 | 8,333,000 | 8,458,000 | 8,485,000 |
| Total capital | 8,847,000 | 8,967,000 | 9,109,000 | 9,142,000 |
| Risk-weighted assets | 49,576,000 | 50,705,000 | 51,995,000 | 51,879,000 |