Call reports 2013
SWISHER TRUST & SAVINGS BANK — 2013
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 44,555,000 | 43,324,000 | 43,275,000 | 43,699,000 |
| Total loans | 15,820,000 | 16,265,000 | 15,888,000 | 15,604,000 |
| Allowance for loan losses | 144,000 | 144,000 | 145,000 | 145,000 |
| Securities available for sale | 22,133,000 | 21,639,000 | 21,505,000 | 21,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,027,000 | 38,378,000 | 38,331,000 | 38,938,000 |
| Interest-bearing deposits | 31,174,000 | 30,612,000 | 30,154,000 | 30,671,000 |
| Noninterest-bearing deposits | 7,853,000 | 7,766,000 | 8,177,000 | 8,267,000 |
| Equity capital | 5,257,000 | 4,887,000 | 4,909,000 | 4,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 321,000 | 643,000 | 966,000 | 1,280,000 |
| Interest expense | 47,000 | 93,000 | 135,000 | 174,000 |
| Net interest income | 274,000 | 550,000 | 831,000 | 1,106,000 |
| Noninterest income | 25,000 | 47,000 | 76,000 | 125,000 |
| Noninterest expense | 234,000 | 510,000 | 737,000 | 1,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 87,000 | 170,000 | 201,000 |
| Income tax | 2,000 | 2,000 | 16,000 | 17,000 |
| Net income | 63,000 | 85,000 | 154,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,944,000 | 4,966,000 | 5,035,000 | 4,912,000 |
| Total capital | 5,088,000 | 5,110,000 | 5,180,000 | 5,057,000 |
| Risk-weighted assets | 26,696,000 | 26,802,000 | 26,522,000 | 26,411,000 |