Call reports 2003
SWISHER TRUST & SAVINGS BANK — 2003
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 34,463,000 | 34,857,000 | 34,680,000 | 35,070,000 |
| Total loans | 18,018,000 | 18,727,000 | 18,304,000 | 17,827,000 |
| Allowance for loan losses | 184,000 | 184,000 | 184,000 | 184,000 |
| Securities available for sale | 10,438,000 | 10,538,000 | 11,632,000 | 12,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,869,000 | 30,139,000 | 30,014,000 | 30,520,000 |
| Interest-bearing deposits | 24,470,000 | 25,109,000 | 24,719,000 | 24,756,000 |
| Noninterest-bearing deposits | 5,399,000 | 5,030,000 | 5,295,000 | 5,764,000 |
| Equity capital | 4,397,000 | 4,495,000 | 4,483,000 | 4,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 430,000 | 862,000 | 1,283,000 | 1,701,000 |
| Interest expense | 124,000 | 241,000 | 351,000 | 454,000 |
| Net interest income | 306,000 | 621,000 | 932,000 | 1,247,000 |
| Noninterest income | 30,000 | 71,000 | 104,000 | 146,000 |
| Noninterest expense | 249,000 | 521,000 | 762,000 | 1,050,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 87,000 | 171,000 | 274,000 | 333,000 |
| Income tax | 14,000 | 39,000 | 74,000 | 90,000 |
| Net income | 73,000 | 132,000 | 200,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,210,000 | 4,269,000 | 4,337,000 | 4,227,000 |
| Total capital | 4,394,000 | 4,453,000 | 4,521,000 | 4,411,000 |
| Risk-weighted assets | 26,095,000 | 26,405,000 | 26,047,000 | 25,727,000 |