Call reports 2023
PHILO EXCHANGE BANK — 2023
What PHILO EXCHANGE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 137,125,000 | 130,083,000 | 139,792,000 | 135,160,000 |
| Total loans | 64,580,000 | 68,524,000 | 76,641,000 | 80,676,000 |
| Allowance for loan losses | 774,000 | 774,000 | 774,000 | 774,000 |
| Securities available for sale | 53,039,000 | 51,334,000 | 47,274,000 | 42,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,210,000 | 116,749,000 | 119,750,000 | 115,701,000 |
| Interest-bearing deposits | 83,160,000 | 80,754,000 | 80,588,000 | 76,785,000 |
| Noninterest-bearing deposits | 43,050,000 | 35,995,000 | 39,162,000 | 38,916,000 |
| Equity capital | 10,251,000 | 10,199,000 | 9,876,000 | 11,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 2,095,000 | 3,184,000 | 4,443,000 |
| Interest expense | 50,000 | 125,000 | 274,000 | 534,000 |
| Net interest income | 1,001,000 | 1,970,000 | 2,910,000 | 3,909,000 |
| Noninterest income | 61,000 | 164,000 | 241,000 | 304,000 |
| Noninterest expense | 807,000 | 1,610,000 | 2,419,000 | 3,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 255,000 | 524,000 | 732,000 | 1,035,000 |
| Income tax | 0 | -6,000 | -6,000 | -6,000 |
| Net income | 255,000 | 530,000 | 738,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,892,000 | 13,095,000 | 13,262,000 | 13,565,000 |
| Total capital | 13,666,000 | 13,869,000 | 14,036,000 | 14,339,000 |
| Risk-weighted assets | 76,769,000 | 78,889,000 | 86,238,000 | 89,156,000 |