Call reports 2009
SWISHER TRUST & SAVINGS BANK — 2009
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 39,372,000 | 40,248,000 | 40,169,000 | 42,191,000 |
| Total loans | 17,617,000 | 17,356,000 | 17,397,000 | 16,890,000 |
| Allowance for loan losses | 170,000 | 170,000 | 172,000 | 162,000 |
| Securities available for sale | 16,621,000 | 19,001,000 | 20,020,000 | 19,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,269,000 | 35,159,000 | 34,911,000 | 37,181,000 |
| Interest-bearing deposits | 28,191,000 | 28,738,000 | 28,847,000 | 29,180,000 |
| Noninterest-bearing deposits | 6,078,000 | 6,421,000 | 6,064,000 | 8,001,000 |
| Equity capital | 4,904,000 | 4,897,000 | 5,031,000 | 4,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 923,000 | 1,374,000 | 1,811,000 |
| Interest expense | 120,000 | 237,000 | 349,000 | 458,000 |
| Net interest income | 353,000 | 686,000 | 1,025,000 | 1,353,000 |
| Noninterest income | 31,000 | 58,000 | 86,000 | 121,000 |
| Noninterest expense | 269,000 | 597,000 | 861,000 | 1,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 115,000 | 147,000 | 250,000 | 283,000 |
| Income tax | 23,000 | 29,000 | 68,000 | 75,000 |
| Net income | 92,000 | 118,000 | 182,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,791,000 | 4,817,000 | 4,881,000 | 4,754,000 |
| Total capital | 4,961,000 | 4,987,000 | 5,053,000 | 4,916,000 |
| Risk-weighted assets | 25,118,000 | 24,720,000 | 24,509,000 | 24,956,000 |