Call reports 2014
SWISHER TRUST & SAVINGS BANK — 2014
What SWISHER TRUST & SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 44,587,000 | 45,880,000 | 45,628,000 | 46,936,000 |
| Total loans | 15,485,000 | 16,256,000 | 17,255,000 | 17,046,000 |
| Allowance for loan losses | 145,000 | 146,000 | 146,000 | 147,000 |
| Securities available for sale | 22,524,000 | 23,288,000 | 22,486,000 | 23,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,670,000 | 40,638,000 | 40,362,000 | 41,715,000 |
| Interest-bearing deposits | 31,119,000 | 31,993,000 | 31,581,000 | 31,124,000 |
| Noninterest-bearing deposits | 8,551,000 | 8,645,000 | 8,781,000 | 10,591,000 |
| Equity capital | 4,882,000 | 5,097,000 | 5,126,000 | 5,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 320,000 | 644,000 | 979,000 | 1,317,000 |
| Interest expense | 35,000 | 68,000 | 101,000 | 133,000 |
| Net interest income | 285,000 | 576,000 | 878,000 | 1,184,000 |
| Noninterest income | 20,000 | 38,000 | 57,000 | 84,000 |
| Noninterest expense | 225,000 | 478,000 | 721,000 | 1,011,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 136,000 | 214,000 | 257,000 |
| Income tax | 11,000 | 20,000 | 41,000 | 49,000 |
| Net income | 69,000 | 116,000 | 173,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,980,000 | 5,028,000 | 5,086,000 | 4,967,000 |
| Total capital | 5,125,000 | 5,174,000 | 5,232,000 | 5,114,000 |
| Risk-weighted assets | 26,419,000 | 27,070,000 | 27,642,000 | 27,681,000 |