Call reports 2011
SWISHER TRUST & SAVINGS BANK — 2011
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 41,954,000 | 43,703,000 | 43,447,000 | 43,358,000 |
| Total loans | 15,768,000 | 16,346,000 | 16,128,000 | 15,678,000 |
| Allowance for loan losses | 124,000 | 131,000 | 133,000 | 146,000 |
| Securities available for sale | 22,488,000 | 22,905,000 | 23,022,000 | 22,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,006,000 | 38,370,000 | 37,872,000 | 37,942,000 |
| Interest-bearing deposits | 30,714,000 | 31,179,000 | 30,511,000 | 30,181,000 |
| Noninterest-bearing deposits | 6,292,000 | 7,191,000 | 7,361,000 | 7,761,000 |
| Equity capital | 4,844,000 | 5,084,000 | 5,279,000 | 5,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 781,000 | 1,206,000 | 1,583,000 |
| Interest expense | 77,000 | 153,000 | 226,000 | 297,000 |
| Net interest income | 310,000 | 628,000 | 980,000 | 1,286,000 |
| Noninterest income | 26,000 | 49,000 | 73,000 | 102,000 |
| Noninterest expense | 275,000 | 567,000 | 803,000 | 1,102,000 |
| Provision for loan losses | 0 | 52,000 | 52,000 | 52,000 |
| Pretax income | 61,000 | 58,000 | 198,000 | 234,000 |
| Income tax | 9,000 | 5,000 | 43,000 | 45,000 |
| Net income | 52,000 | 53,000 | 155,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,844,000 | 4,844,000 | 4,948,000 | 4,828,000 |
| Total capital | 4,968,000 | 4,975,000 | 5,081,000 | 4,974,000 |
| Risk-weighted assets | 25,316,000 | 26,100,000 | 26,141,000 | 26,336,000 |