Call reports 2025
PHILO EXCHANGE BANK — 2025
What PHILO EXCHANGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 137,079,000 | 135,061,000 | 140,098,000 | 149,395,000 |
| Total loans | 84,250,000 | 86,174,000 | 88,561,000 | 91,757,000 |
| Allowance for loan losses | 799,000 | 806,000 | 806,000 | 916,000 |
| Securities available for sale | 40,129,000 | 38,275,000 | 37,383,000 | 37,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,833,000 | 110,075,000 | 111,347,000 | 122,851,000 |
| Interest-bearing deposits | 73,786,000 | 76,291,000 | 76,338,000 | 78,531,000 |
| Noninterest-bearing deposits | 39,047,000 | 33,784,000 | 35,009,000 | 44,320,000 |
| Equity capital | 13,493,000 | 14,209,000 | 14,948,000 | 15,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 2,995,000 | 4,549,000 | 6,410,000 |
| Interest expense | 338,000 | 660,000 | 998,000 | 1,373,000 |
| Net interest income | 1,130,000 | 2,335,000 | 3,551,000 | 5,037,000 |
| Noninterest income | 73,000 | 150,000 | 249,000 | 330,000 |
| Noninterest expense | 891,000 | 1,743,000 | 2,661,000 | 3,552,000 |
| Provision for loan losses | 0 | 0 | 0 | 110,000 |
| Pretax income | 312,000 | 742,000 | 1,139,000 | 1,562,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 7,000 |
| Net income | 310,000 | 739,000 | 1,134,000 | 1,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,461,000 | 14,770,000 | 15,391,000 | 15,506,000 |
| Total capital | 15,260,000 | — | — | — |
| Risk-weighted assets | 87,030,000 | — | — | — |