Call reports 2010
SWISHER TRUST & SAVINGS BANK — 2010
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 42,543,000 | 43,525,000 | 42,931,000 | 42,313,000 |
| Total loans | 16,780,000 | 16,477,000 | 16,005,000 | 15,599,000 |
| Allowance for loan losses | 162,000 | 163,000 | 100,000 | 123,000 |
| Securities available for sale | 21,472,000 | 20,417,000 | 19,810,000 | 21,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,445,000 | 38,187,000 | 37,330,000 | 37,529,000 |
| Interest-bearing deposits | 30,775,000 | 30,806,000 | 30,509,000 | 30,141,000 |
| Noninterest-bearing deposits | 6,670,000 | 7,381,000 | 6,821,000 | 7,388,000 |
| Equity capital | 4,914,000 | 5,089,000 | 5,273,000 | 4,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 888,000 | 1,305,000 | 1,696,000 |
| Interest expense | 94,000 | 183,000 | 267,000 | 350,000 |
| Net interest income | 341,000 | 705,000 | 1,038,000 | 1,346,000 |
| Noninterest income | 29,000 | 56,000 | 82,000 | 111,000 |
| Noninterest expense | 266,000 | 571,000 | 845,000 | 1,166,000 |
| Provision for loan losses | 0 | 0 | 0 | 46,000 |
| Pretax income | 104,000 | 190,000 | 275,000 | 245,000 |
| Income tax | 24,000 | 56,000 | 85,000 | 53,000 |
| Net income | 80,000 | 134,000 | 190,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,834,000 | 4,888,000 | 4,943,000 | 4,792,000 |
| Total capital | 4,996,000 | 5,051,000 | 5,043,000 | 4,915,000 |
| Risk-weighted assets | 24,944,000 | 24,983,000 | 25,191,000 | 25,247,000 |