Call reports 2016
SWISHER TRUST & SAVINGS BANK — 2016
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 47,989,000 | 49,927,000 | 49,842,000 | 50,750,000 |
| Total loans | 16,395,000 | 16,531,000 | 16,852,000 | 16,514,000 |
| Allowance for loan losses | 147,000 | 147,000 | 147,000 | 147,000 |
| Securities available for sale | 23,757,000 | 24,889,000 | 23,934,000 | 24,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,293,000 | 43,358,000 | 43,899,000 | 45,833,000 |
| Interest-bearing deposits | 32,080,000 | 32,708,000 | 33,093,000 | 33,895,000 |
| Noninterest-bearing deposits | 10,213,000 | 10,650,000 | 10,806,000 | 11,938,000 |
| Equity capital | 5,430,000 | 5,538,000 | 5,638,000 | 4,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 333,000 | 668,000 | 1,003,000 | 1,333,000 |
| Interest expense | 30,000 | 63,000 | 98,000 | 133,000 |
| Net interest income | 303,000 | 605,000 | 905,000 | 1,200,000 |
| Noninterest income | 20,000 | 41,000 | 62,000 | 87,000 |
| Noninterest expense | 223,000 | 484,000 | 719,000 | 1,032,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 220,000 | 327,000 | 334,000 |
| Income tax | 11,000 | 50,000 | 86,000 | 69,000 |
| Net income | 89,000 | 170,000 | 241,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,165,000 | 5,246,000 | 5,317,000 | 5,188,000 |
| Total capital | 5,312,000 | 5,393,000 | 5,464,000 | 5,335,000 |
| Risk-weighted assets | 19,000,000 | 19,207,000 | 19,042,000 | 19,077,000 |