Call reports 2007
SWISHER TRUST & SAVINGS BANK — 2007
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 35,376,000 | 36,138,000 | 36,351,000 | 37,408,000 |
| Total loans | 18,659,000 | 18,988,000 | 18,244,000 | 17,696,000 |
| Allowance for loan losses | 186,000 | 186,000 | 186,000 | 186,000 |
| Securities available for sale | 12,651,000 | 12,360,000 | 13,524,000 | 11,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,713,000 | 31,488,000 | 31,495,000 | 32,552,000 |
| Interest-bearing deposits | 24,491,000 | 25,052,000 | 24,786,000 | 26,225,000 |
| Noninterest-bearing deposits | 6,222,000 | 6,436,000 | 6,709,000 | 6,327,000 |
| Equity capital | 4,581,000 | 4,571,000 | 4,741,000 | 4,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 468,000 | 959,000 | 1,467,000 | 1,969,000 |
| Interest expense | 160,000 | 332,000 | 509,000 | 691,000 |
| Net interest income | 308,000 | 627,000 | 958,000 | 1,278,000 |
| Noninterest income | 27,000 | 63,000 | 100,000 | 140,000 |
| Noninterest expense | 255,000 | 543,000 | 797,000 | 1,117,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 147,000 | 261,000 | 301,000 |
| Income tax | 16,000 | 38,000 | 82,000 | 94,000 |
| Net income | 64,000 | 109,000 | 179,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,620,000 | 4,665,000 | 4,735,000 | 4,610,000 |
| Total capital | 4,806,000 | 4,851,000 | 4,921,000 | 4,796,000 |
| Risk-weighted assets | 25,013,000 | 25,347,000 | 24,943,000 | 24,466,000 |