Call reports 2016
PHILO EXCHANGE BANK — 2016
What PHILO EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 91,031,000 | 88,078,000 | 88,983,000 | 89,207,000 |
| Total loans | 50,268,000 | 52,342,000 | 53,483,000 | 56,924,000 |
| Allowance for loan losses | 654,000 | 654,000 | 636,000 | 634,000 |
| Securities available for sale | 30,306,000 | 26,621,000 | 25,978,000 | 23,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,960,000 | 77,631,000 | 77,589,000 | 75,908,000 |
| Interest-bearing deposits | 62,666,000 | 59,741,000 | 59,324,000 | 56,210,000 |
| Noninterest-bearing deposits | 18,294,000 | 17,890,000 | 18,265,000 | 19,698,000 |
| Equity capital | 9,718,000 | 10,141,000 | 10,269,000 | 9,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,256,000 | 1,911,000 | 2,592,000 |
| Interest expense | 32,000 | 66,000 | 101,000 | 139,000 |
| Net interest income | 583,000 | 1,190,000 | 1,810,000 | 2,453,000 |
| Noninterest income | 49,000 | 95,000 | 146,000 | 193,000 |
| Noninterest expense | 460,000 | 903,000 | 1,338,000 | 1,764,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 172,000 | 381,000 | 617,000 | 881,000 |
| Income tax | 0 | 0 | 0 | 8,000 |
| Net income | 172,000 | 381,000 | 617,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,455,000 | 8,603,000 | 8,775,000 | 9,012,000 |
| Total capital | 9,109,000 | 9,257,000 | 9,411,000 | 9,646,000 |
| Risk-weighted assets | 58,731,000 | 60,597,000 | 63,393,000 | 65,867,000 |