Call reports 2002
SWISHER TRUST & SAVINGS BANK — 2002
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 32,530,000 | 33,125,000 | 33,510,000 | 34,236,000 |
| Total loans | 17,370,000 | 17,095,000 | 17,589,000 | 17,715,000 |
| Allowance for loan losses | 184,000 | 184,000 | 184,000 | 184,000 |
| Securities available for sale | 10,237,000 | 11,992,000 | 11,787,000 | 10,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,265,000 | 28,635,000 | 28,842,000 | 29,733,000 |
| Interest-bearing deposits | 23,282,000 | 23,494,000 | 23,869,000 | 24,340,000 |
| Noninterest-bearing deposits | 4,983,000 | 5,141,000 | 4,973,000 | 5,393,000 |
| Equity capital | 4,148,000 | 4,311,000 | 4,455,000 | 4,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 449,000 | 916,000 | 1,386,000 | 1,852,000 |
| Interest expense | 171,000 | 340,000 | 503,000 | 655,000 |
| Net interest income | 278,000 | 576,000 | 883,000 | 1,197,000 |
| Noninterest income | 24,000 | 58,000 | 93,000 | 124,000 |
| Noninterest expense | 234,000 | 495,000 | 739,000 | 1,031,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 139,000 | 252,000 | 305,000 |
| Income tax | 9,000 | 20,000 | 58,000 | 70,000 |
| Net income | 59,000 | 119,000 | 194,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,114,000 | 4,174,000 | 4,249,000 | 4,137,000 |
| Total capital | 4,298,000 | 4,358,000 | 4,433,000 | 4,321,000 |
| Risk-weighted assets | 24,203,000 | 24,396,000 | 25,610,000 | 25,642,000 |