Call reports 2003
SCHERTZ BANK & TRUST — 2003
What SCHERTZ BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 99,745,000 | 103,835,000 | 102,367,000 | 103,833,000 |
| Total loans | 54,210,000 | 57,443,000 | 60,106,000 | 61,441,000 |
| Allowance for loan losses | 732,000 | 726,000 | 739,000 | 780,000 |
| Securities available for sale | 30,905,000 | 35,427,000 | 31,569,000 | 32,803,000 |
| Securities held to maturity | 3,552,000 | 3,524,000 | 3,100,000 | 2,843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,429,000 | 89,194,000 | 87,843,000 | 88,270,000 |
| Interest-bearing deposits | 63,954,000 | 66,635,000 | 65,735,000 | 66,907,000 |
| Noninterest-bearing deposits | 21,475,000 | 22,559,000 | 22,108,000 | 21,362,000 |
| Equity capital | 13,987,000 | 14,293,000 | 14,243,000 | 14,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,253,000 | 2,550,000 | 3,831,000 | 5,112,000 |
| Interest expense | 274,000 | 523,000 | 765,000 | 978,000 |
| Net interest income | 979,000 | 2,027,000 | 3,066,000 | 4,134,000 |
| Noninterest income | 379,000 | 597,000 | 824,000 | 1,050,000 |
| Noninterest expense | 891,000 | 1,795,000 | 2,767,000 | 3,840,000 |
| Provision for loan losses | 60,000 | 80,000 | 100,000 | 140,000 |
| Pretax income | 407,000 | 749,000 | 1,015,000 | 1,196,000 |
| Income tax | 86,000 | 150,000 | 189,000 | 193,000 |
| Net income | 321,000 | 599,000 | 826,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,388,000 | 13,666,000 | 13,892,000 | 14,070,000 |
| Total capital | 14,120,000 | 14,392,000 | 14,631,000 | 14,850,000 |
| Risk-weighted assets | 60,486,000 | 63,342,000 | 62,491,000 | 66,151,000 |