Call reports 2015
PHILO EXCHANGE BANK — 2015
What PHILO EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,119,000 | 85,274,000 | 86,153,000 | 89,133,000 |
| Total loans | 43,219,000 | 46,132,000 | 47,338,000 | 50,355,000 |
| Allowance for loan losses | 660,000 | 661,000 | 661,000 | 687,000 |
| Securities available for sale | 29,670,000 | 29,268,000 | 30,217,000 | 28,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,148,000 | 75,384,000 | 74,875,000 | 78,801,000 |
| Interest-bearing deposits | 45,507,000 | 58,678,000 | 58,511,000 | 60,615,000 |
| Noninterest-bearing deposits | 29,641,000 | 16,706,000 | 16,363,000 | 18,186,000 |
| Equity capital | 9,651,000 | 9,629,000 | 9,894,000 | 10,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 530,000 | 1,096,000 | 1,682,000 | 2,284,000 |
| Interest expense | 32,000 | 66,000 | 98,000 | 130,000 |
| Net interest income | 498,000 | 1,030,000 | 1,584,000 | 2,154,000 |
| Noninterest income | 54,000 | 104,000 | 162,000 | 206,000 |
| Noninterest expense | 437,000 | 857,000 | 1,287,000 | 1,706,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 282,000 | 464,000 | 660,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 120,000 | 282,000 | 464,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,450,000 | 8,548,000 | 8,683,000 | 8,869,000 |
| Total capital | 9,103,000 | 9,205,000 | 9,344,000 | 9,556,000 |
| Risk-weighted assets | 52,263,000 | 52,692,000 | 56,317,000 | 58,141,000 |