Call reports 2021
PHILO EXCHANGE BANK — 2021
What PHILO EXCHANGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 132,637,000 | 132,127,000 | 124,643,000 | 129,983,000 |
| Total loans | 61,572,000 | 64,685,000 | 66,640,000 | 67,085,000 |
| Allowance for loan losses | 774,000 | 772,000 | 774,000 | 774,000 |
| Securities available for sale | 38,797,000 | 44,267,000 | 45,686,000 | 44,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,507,000 | 117,800,000 | 110,246,000 | 115,802,000 |
| Interest-bearing deposits | 84,255,000 | 88,471,000 | 79,874,000 | 78,862,000 |
| Noninterest-bearing deposits | 34,252,000 | 29,329,000 | 30,372,000 | 36,941,000 |
| Equity capital | 13,492,000 | 13,742,000 | 13,800,000 | 13,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 748,000 | 1,518,000 | 2,516,000 | 3,324,000 |
| Interest expense | 71,000 | 134,000 | 184,000 | 227,000 |
| Net interest income | 677,000 | 1,384,000 | 2,332,000 | 3,097,000 |
| Noninterest income | 179,000 | 390,000 | 268,000 | 348,000 |
| Noninterest expense | 651,000 | 1,286,000 | 1,907,000 | 2,610,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 205,000 | 488,000 | 693,000 | 835,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 21,000 |
| Net income | 200,000 | 477,000 | 677,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,760,000 | 11,957,000 | 12,103,000 | 12,240,000 |
| Total capital | 12,534,000 | 12,729,000 | 12,877,000 | 13,014,000 |
| Risk-weighted assets | 69,200,000 | 70,968,000 | 73,637,000 | 73,749,000 |