Call reports 2005
SWISHER TRUST & SAVINGS BANK — 2005
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,740,000 | 36,749,000 | 37,044,000 | 37,517,000 |
| Total loans | 18,546,000 | 18,985,000 | 19,169,000 | 18,610,000 |
| Allowance for loan losses | 184,000 | 183,000 | 183,000 | 183,000 |
| Securities available for sale | 13,067,000 | 13,739,000 | 15,040,000 | 15,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,290,000 | 32,115,000 | 32,362,000 | 33,054,000 |
| Interest-bearing deposits | 25,304,000 | 25,875,000 | 26,079,000 | 26,642,000 |
| Noninterest-bearing deposits | 5,986,000 | 6,240,000 | 6,283,000 | 6,412,000 |
| Equity capital | 4,376,000 | 4,517,000 | 4,569,000 | 4,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 862,000 | 1,324,000 | 1,790,000 |
| Interest expense | 90,000 | 191,000 | 308,000 | 431,000 |
| Net interest income | 331,000 | 671,000 | 1,016,000 | 1,359,000 |
| Noninterest income | 34,000 | 61,000 | 94,000 | 122,000 |
| Noninterest expense | 236,000 | 505,000 | 752,000 | 1,062,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 227,000 | 358,000 | 419,000 |
| Income tax | 27,000 | 52,000 | 99,000 | 116,000 |
| Net income | 102,000 | 175,000 | 259,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,424,000 | 4,497,000 | 4,581,000 | 4,472,000 |
| Total capital | 4,608,000 | 4,680,000 | 4,764,000 | 4,655,000 |
| Risk-weighted assets | 26,136,000 | 26,300,000 | 26,646,000 | 26,335,000 |