Call reports 2019
PHILO EXCHANGE BANK — 2019
What PHILO EXCHANGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 98,851,000 | 98,176,000 | 97,417,000 | 105,336,000 |
| Total loans | 58,966,000 | 59,781,000 | 64,753,000 | 69,639,000 |
| Allowance for loan losses | 734,000 | 735,000 | 734,000 | 734,000 |
| Securities available for sale | 26,251,000 | 27,252,000 | 24,279,000 | 24,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,811,000 | 85,565,000 | 82,323,000 | 87,329,000 |
| Interest-bearing deposits | 63,484,000 | 64,077,000 | 61,537,000 | 60,644,000 |
| Noninterest-bearing deposits | 23,327,000 | 21,488,000 | 20,786,000 | 26,685,000 |
| Equity capital | 11,563,000 | 12,079,000 | 12,352,000 | 12,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,783,000 | 2,709,000 | 3,652,000 |
| Interest expense | 83,000 | 174,000 | 273,000 | 379,000 |
| Net interest income | 791,000 | 1,609,000 | 2,436,000 | 3,273,000 |
| Noninterest income | 63,000 | 114,000 | 171,000 | 229,000 |
| Noninterest expense | 532,000 | 1,067,000 | 1,626,000 | 2,151,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 322,000 | 656,000 | 981,000 | 1,352,000 |
| Income tax | 5,000 | 8,000 | 10,000 | 12,000 |
| Net income | 317,000 | 648,000 | 971,000 | 1,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,386,000 | 10,634,000 | 10,820,000 | 11,189,000 |
| Total capital | 11,120,000 | 11,369,000 | 11,554,000 | 11,923,000 |
| Risk-weighted assets | 65,044,000 | 66,168,000 | 70,205,000 | 74,563,000 |