Call reports 2012
SWISHER TRUST & SAVINGS BANK — 2012
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 44,221,000 | 45,001,000 | 44,998,000 | 45,256,000 |
| Total loans | 15,299,000 | 16,070,000 | 15,682,000 | 15,651,000 |
| Allowance for loan losses | 143,000 | 143,000 | 144,000 | 144,000 |
| Securities available for sale | 24,470,000 | 24,177,000 | 23,130,000 | 21,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,825,000 | 39,412,000 | 39,320,000 | 39,729,000 |
| Interest-bearing deposits | 30,443,000 | 30,907,000 | 31,030,000 | 31,280,000 |
| Noninterest-bearing deposits | 8,382,000 | 8,505,000 | 8,290,000 | 8,449,000 |
| Equity capital | 5,151,000 | 5,291,000 | 5,374,000 | 5,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 720,000 | 1,074,000 | 1,406,000 |
| Interest expense | 63,000 | 126,000 | 186,000 | 242,000 |
| Net interest income | 298,000 | 594,000 | 888,000 | 1,164,000 |
| Noninterest income | 21,000 | 43,000 | 64,000 | 89,000 |
| Noninterest expense | 226,000 | 501,000 | 738,000 | 1,008,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 136,000 | 214,000 | 245,000 |
| Income tax | 14,000 | 19,000 | 38,000 | 40,000 |
| Net income | 79,000 | 117,000 | 176,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,907,000 | 4,945,000 | 5,004,000 | 4,881,000 |
| Total capital | 5,050,000 | 5,088,000 | 5,148,000 | 5,025,000 |
| Risk-weighted assets | 26,249,000 | 26,868,000 | 26,506,000 | 26,496,000 |