Call reports 2004
SCHERTZ BANK & TRUST — 2004
What SCHERTZ BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 103,893,000 | 103,504,000 | 104,009,000 | 106,094,000 |
| Total loans | 62,743,000 | 62,745,000 | 66,156,000 | 68,195,000 |
| Allowance for loan losses | 778,000 | 779,000 | 799,000 | 824,000 |
| Securities available for sale | 32,749,000 | 31,664,000 | 29,668,000 | 27,613,000 |
| Securities held to maturity | 2,425,000 | 2,398,000 | 1,907,000 | 1,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,583,000 | 87,674,000 | 86,780,000 | 90,627,000 |
| Interest-bearing deposits | 66,301,000 | 63,063,000 | 62,184,000 | 63,138,000 |
| Noninterest-bearing deposits | 22,282,000 | 24,611,000 | 24,596,000 | 27,489,000 |
| Equity capital | 14,792,000 | 14,633,000 | 15,069,000 | 15,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,633,000 | 3,972,000 | 5,364,000 |
| Interest expense | 200,000 | 394,000 | 602,000 | 834,000 |
| Net interest income | 1,157,000 | 2,239,000 | 3,370,000 | 4,530,000 |
| Noninterest income | 194,000 | 392,000 | 595,000 | 767,000 |
| Noninterest expense | 932,000 | 1,873,000 | 2,991,000 | 4,143,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 45,000 |
| Pretax income | 419,000 | 758,000 | 954,000 | 1,109,000 |
| Income tax | 87,000 | 147,000 | 160,000 | 172,000 |
| Net income | 332,000 | 611,000 | 794,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,295,000 | 14,573,000 | 14,757,000 | 14,900,000 |
| Total capital | 15,073,000 | 15,352,000 | 15,556,000 | 15,724,000 |
| Risk-weighted assets | 68,082,000 | 68,323,000 | 71,553,000 | 73,058,000 |