Call reports 2018
PHILO EXCHANGE BANK — 2018
What PHILO EXCHANGE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 96,544,000 | 95,702,000 | 94,107,000 | 96,707,000 |
| Total loans | 55,849,000 | 59,786,000 | 61,002,000 | 62,929,000 |
| Allowance for loan losses | 634,000 | 634,000 | 634,000 | 734,000 |
| Securities available for sale | 27,497,000 | 26,256,000 | 25,054,000 | 24,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,748,000 | 84,760,000 | 81,520,000 | 82,208,000 |
| Interest-bearing deposits | 63,885,000 | 66,043,000 | 59,978,000 | 59,351,000 |
| Noninterest-bearing deposits | 21,863,000 | 18,717,000 | 21,542,000 | 22,857,000 |
| Equity capital | 10,408,000 | 10,544,000 | 10,725,000 | 11,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,607,000 | 2,499,000 | 3,392,000 |
| Interest expense | 51,000 | 112,000 | 185,000 | 278,000 |
| Net interest income | 729,000 | 1,495,000 | 2,314,000 | 3,114,000 |
| Noninterest income | 49,000 | 101,000 | 157,000 | 213,000 |
| Noninterest expense | 494,000 | 1,022,000 | 1,551,000 | 2,068,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 284,000 | 574,000 | 920,000 | 1,176,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 18,000 |
| Net income | 279,000 | 565,000 | 906,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,685,000 | 9,881,000 | 10,120,000 | 10,372,000 |
| Total capital | 10,319,000 | 10,515,000 | 10,754,000 | 11,106,000 |
| Risk-weighted assets | 64,519,000 | 67,484,000 | 67,773,000 | 68,844,000 |