Call reports 2005
SCHERTZ BANK & TRUST — 2005
What SCHERTZ BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 105,400,000 | 106,775,000 | 108,959,000 | 115,912,000 |
| Total loans | 72,374,000 | 71,591,000 | 71,200,000 | 71,700,000 |
| Allowance for loan losses | 831,000 | 833,000 | 836,000 | 568,000 |
| Securities available for sale | 25,455,000 | 23,969,000 | 23,198,000 | 27,271,000 |
| Securities held to maturity | 1,430,000 | 1,116,000 | 929,000 | 797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,838,000 | 91,153,000 | 93,139,000 | 99,716,000 |
| Interest-bearing deposits | 61,403,000 | 63,710,000 | 66,165,000 | 70,446,000 |
| Noninterest-bearing deposits | 26,435,000 | 27,442,000 | 26,973,000 | 29,270,000 |
| Equity capital | 15,110,000 | 15,402,000 | 15,625,000 | 15,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,407,000 | 2,858,000 | 4,341,000 | 5,787,000 |
| Interest expense | 260,000 | 557,000 | 899,000 | 1,298,000 |
| Net interest income | 1,147,000 | 2,301,000 | 3,442,000 | 4,489,000 |
| Noninterest income | 158,000 | 333,000 | 547,000 | 889,000 |
| Noninterest expense | 953,000 | 1,927,000 | 2,979,000 | 4,152,000 |
| Provision for loan losses | 0 | 0 | 0 | -256,000 |
| Pretax income | 352,000 | 707,000 | 1,010,000 | 1,482,000 |
| Income tax | 72,000 | 145,000 | 204,000 | 309,000 |
| Net income | 280,000 | 562,000 | 806,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,074,000 | 15,355,000 | 15,599,000 | 15,967,000 |
| Total capital | 15,905,000 | 16,188,000 | 16,435,000 | 16,535,000 |
| Risk-weighted assets | 75,811,000 | 71,408,000 | 72,580,000 | 72,115,000 |