Call reports 2006
SWISHER TRUST & SAVINGS BANK — 2006
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 36,389,000 | 35,567,000 | 34,391,000 | 35,434,000 |
| Total loans | 19,501,000 | 19,317,000 | 19,428,000 | 18,775,000 |
| Allowance for loan losses | 182,000 | 182,000 | 182,000 | 186,000 |
| Securities available for sale | 14,696,000 | 14,189,000 | 13,721,000 | 13,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,865,000 | 31,068,000 | 29,728,000 | 30,862,000 |
| Interest-bearing deposits | 25,989,000 | 25,540,000 | 23,754,000 | 24,561,000 |
| Noninterest-bearing deposits | 5,876,000 | 5,528,000 | 5,974,000 | 6,301,000 |
| Equity capital | 4,449,000 | 4,439,000 | 4,602,000 | 4,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 953,000 | 1,430,000 | 1,900,000 |
| Interest expense | 130,000 | 270,000 | 417,000 | 571,000 |
| Net interest income | 351,000 | 683,000 | 1,013,000 | 1,329,000 |
| Noninterest income | 29,000 | 58,000 | 83,000 | 118,000 |
| Noninterest expense | 248,000 | 522,000 | 781,000 | 1,099,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 132,000 | 219,000 | 313,000 | 342,000 |
| Income tax | 32,000 | 64,000 | 99,000 | 105,000 |
| Net income | 100,000 | 155,000 | 214,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,572,000 | 4,627,000 | 4,686,000 | 4,556,000 |
| Total capital | 4,754,000 | 4,809,000 | 4,868,000 | 4,742,000 |
| Risk-weighted assets | 26,724,000 | 25,927,000 | 25,588,000 | 25,276,000 |