Call reports 2002
SCHERTZ BANK & TRUST — 2002
What SCHERTZ BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 94,375,000 | 93,365,000 | 95,662,000 | 99,695,000 |
| Total loans | 49,865,000 | 51,222,000 | 52,735,000 | 52,817,000 |
| Allowance for loan losses | 576,000 | 603,000 | 628,000 | 675,000 |
| Securities available for sale | 28,008,000 | 29,547,000 | 29,155,000 | 27,122,000 |
| Securities held to maturity | 4,665,000 | 4,633,000 | 4,191,000 | 3,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,167,000 | 79,685,000 | 81,491,000 | 85,594,000 |
| Interest-bearing deposits | 60,315,000 | 59,782,000 | 60,484,000 | 65,139,000 |
| Noninterest-bearing deposits | 20,852,000 | 19,903,000 | 21,007,000 | 20,455,000 |
| Equity capital | 12,881,000 | 13,342,000 | 13,763,000 | 13,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,363,000 | 2,739,000 | 4,100,000 | 5,395,000 |
| Interest expense | 380,000 | 741,000 | 1,078,000 | 1,386,000 |
| Net interest income | 983,000 | 1,998,000 | 3,022,000 | 4,009,000 |
| Noninterest income | 197,000 | 390,000 | 595,000 | 833,000 |
| Noninterest expense | 853,000 | 1,819,000 | 2,545,000 | 3,472,000 |
| Provision for loan losses | 0 | 24,000 | 49,000 | 69,000 |
| Pretax income | 327,000 | 545,000 | 1,024,000 | 1,302,000 |
| Income tax | 62,000 | 0 | 195,000 | 229,000 |
| Net income | 265,000 | 545,000 | 829,000 | 1,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,653,000 | 12,932,000 | 13,216,000 | 13,360,000 |
| Total capital | 13,229,000 | 13,535,000 | 13,844,000 | 14,035,000 |
| Risk-weighted assets | 55,277,000 | 58,786,000 | 57,374,000 | 58,447,000 |