Call reports 2015
SWISHER TRUST & SAVINGS BANK — 2015
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 47,289,000 | 48,152,000 | 47,515,000 | 47,452,000 |
| Total loans | 17,200,000 | 16,654,000 | 16,210,000 | 16,385,000 |
| Allowance for loan losses | 147,000 | 147,000 | 147,000 | 147,000 |
| Securities available for sale | 23,734,000 | 24,791,000 | 25,331,000 | 23,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,644,000 | 42,718,000 | 41,795,000 | 42,023,000 |
| Interest-bearing deposits | 32,810,000 | 33,211,000 | 32,585,000 | 32,104,000 |
| Noninterest-bearing deposits | 8,834,000 | 9,507,000 | 9,210,000 | 9,919,000 |
| Equity capital | 5,348,000 | 5,230,000 | 5,421,000 | 5,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 334,000 | 677,000 | 1,022,000 | 1,396,000 |
| Interest expense | 31,000 | 62,000 | 93,000 | 124,000 |
| Net interest income | 303,000 | 615,000 | 929,000 | 1,272,000 |
| Noninterest income | 22,000 | 45,000 | 67,000 | 91,000 |
| Noninterest expense | 227,000 | 492,000 | 723,000 | 1,019,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 168,000 | 273,000 | 344,000 |
| Income tax | 10,000 | 27,000 | 61,000 | 82,000 |
| Net income | 88,000 | 141,000 | 212,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,055,000 | 5,108,000 | 5,178,000 | 5,076,000 |
| Total capital | 5,202,000 | 5,255,000 | 5,325,000 | 5,223,000 |
| Risk-weighted assets | 19,921,000 | 19,679,000 | 19,298,000 | 19,148,000 |