Call reports 2004
SWISHER TRUST & SAVINGS BANK — 2004
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,403,000 | 35,185,000 | 35,819,000 | 37,050,000 |
| Total loans | 17,639,000 | 18,158,000 | 18,689,000 | 18,532,000 |
| Allowance for loan losses | 184,000 | 184,000 | 184,000 | 184,000 |
| Securities available for sale | 13,101,000 | 13,056,000 | 13,032,000 | 13,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,713,000 | 30,753,000 | 31,136,000 | 32,557,000 |
| Interest-bearing deposits | 25,224,000 | 25,363,000 | 25,439,000 | 25,969,000 |
| Noninterest-bearing deposits | 5,489,000 | 5,390,000 | 5,697,000 | 6,588,000 |
| Equity capital | 4,491,000 | 4,360,000 | 4,536,000 | 4,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 816,000 | 1,242,000 | 1,670,000 |
| Interest expense | 94,000 | 186,000 | 278,000 | 369,000 |
| Net interest income | 310,000 | 630,000 | 964,000 | 1,301,000 |
| Noninterest income | 34,000 | 66,000 | 103,000 | 140,000 |
| Noninterest expense | 246,000 | 520,000 | 785,000 | 1,100,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 176,000 | 282,000 | 341,000 |
| Income tax | 17,000 | 39,000 | 76,000 | 93,000 |
| Net income | 81,000 | 137,000 | 206,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,308,000 | 4,364,000 | 4,433,000 | 4,322,000 |
| Total capital | 4,492,000 | 4,548,000 | 4,617,000 | 4,506,000 |
| Risk-weighted assets | 25,616,000 | 25,809,000 | 26,173,000 | 26,286,000 |