Call reports 2001
SCHERTZ BANK & TRUST — 2001
What SCHERTZ BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 81,550,000 | 86,006,000 | 90,291,000 | 94,605,000 |
| Total loans | 48,122,000 | 48,840,000 | 50,717,000 | 49,058,000 |
| Allowance for loan losses | 615,000 | 613,000 | 613,000 | 605,000 |
| Securities available for sale | 21,012,000 | 20,413,000 | 22,650,000 | 28,148,000 |
| Securities held to maturity | 5,636,000 | 5,345,000 | 5,155,000 | 5,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,163,000 | 73,239,000 | 77,331,000 | 81,647,000 |
| Interest-bearing deposits | 51,077,000 | 54,997,000 | 57,948,000 | 59,819,000 |
| Noninterest-bearing deposits | 18,086,000 | 18,242,000 | 19,383,000 | 21,828,000 |
| Equity capital | 11,993,000 | 12,263,000 | 12,575,000 | 12,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,869,000 | 4,321,000 | 5,733,000 |
| Interest expense | 509,000 | 1,002,000 | 1,499,000 | 1,948,000 |
| Net interest income | 926,000 | 1,867,000 | 2,822,000 | 3,785,000 |
| Noninterest income | 197,000 | 383,000 | 565,000 | 765,000 |
| Noninterest expense | 838,000 | 1,774,000 | 2,533,000 | 3,478,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 285,000 | 476,000 | 854,000 | 1,072,000 |
| Income tax | 46,000 | 0 | 138,000 | 169,000 |
| Net income | 239,000 | 476,000 | 716,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,723,000 | 11,960,000 | 12,200,000 | 12,387,000 |
| Total capital | 12,338,000 | 12,573,000 | 12,813,000 | 12,992,000 |
| Risk-weighted assets | 54,173,000 | 55,421,000 | 57,386,000 | 53,868,000 |