Call reports 2020
PHILO EXCHANGE BANK — 2020
What PHILO EXCHANGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 103,961,000 | 108,355,000 | 115,971,000 | 121,184,000 |
| Total loans | 67,967,000 | 69,071,000 | 66,900,000 | 65,317,000 |
| Allowance for loan losses | 732,000 | 774,000 | 774,000 | 774,000 |
| Securities available for sale | 27,598,000 | 27,928,000 | 29,330,000 | 33,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,944,000 | 89,992,000 | 97,487,000 | 106,470,000 |
| Interest-bearing deposits | 66,910,000 | 68,026,000 | 72,999,000 | 74,083,000 |
| Noninterest-bearing deposits | 23,034,000 | 21,966,000 | 24,488,000 | 32,387,000 |
| Equity capital | 12,784,000 | 13,778,000 | 13,922,000 | 14,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 926,000 | 1,878,000 | 2,746,000 | 3,584,000 |
| Interest expense | 100,000 | 189,000 | 274,000 | 355,000 |
| Net interest income | 826,000 | 1,689,000 | 2,472,000 | 3,229,000 |
| Noninterest income | 56,000 | 145,000 | 215,000 | 297,000 |
| Noninterest expense | 599,000 | 1,188,000 | 1,821,000 | 2,434,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 283,000 | 646,000 | 866,000 | 1,092,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 20,000 |
| Net income | 278,000 | 636,000 | 851,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,184,000 | 11,468,000 | 11,601,000 | 11,822,000 |
| Total capital | 11,916,000 | 12,242,000 | 12,375,000 | 12,596,000 |
| Risk-weighted assets | 72,000 | 74,004,000 | 71,793,000 | 72,320,000 |