Call reports 2006
SCHERTZ BANK & TRUST — 2006
What SCHERTZ BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 117,812,000 | 125,217,000 | 125,060,000 | 131,842,000 |
| Total loans | 73,832,000 | 77,856,000 | 80,195,000 | 79,169,000 |
| Allowance for loan losses | 561,000 | 567,000 | 557,000 | 536,000 |
| Securities available for sale | 29,769,000 | 33,774,000 | 34,407,000 | 35,130,000 |
| Securities held to maturity | 616,000 | 221,000 | 170,000 | 170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,451,000 | 108,776,000 | 108,043,000 | 114,480,000 |
| Interest-bearing deposits | 73,701,000 | 79,268,000 | 77,399,000 | 81,695,000 |
| Noninterest-bearing deposits | 27,750,000 | 29,508,000 | 30,644,000 | 32,785,000 |
| Equity capital | 15,995,000 | 16,196,000 | 16,738,000 | 17,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,612,000 | 3,381,000 | 5,326,000 | 7,324,000 |
| Interest expense | 461,000 | 968,000 | 1,552,000 | 2,201,000 |
| Net interest income | 1,151,000 | 2,413,000 | 3,774,000 | 5,123,000 |
| Noninterest income | 286,000 | 562,000 | 817,000 | 1,074,000 |
| Noninterest expense | 1,032,000 | 2,095,000 | 3,231,000 | 4,533,000 |
| Provision for loan losses | -88,000 | -79,000 | -78,000 | -76,000 |
| Pretax income | 493,000 | 959,000 | 1,438,000 | 1,740,000 |
| Income tax | 125,000 | 241,000 | 359,000 | 408,000 |
| Net income | 368,000 | 718,000 | 1,079,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,228,000 | 16,578,000 | 16,940,000 | 17,192,000 |
| Total capital | 16,789,000 | 17,145,000 | 17,497,000 | 17,728,000 |
| Risk-weighted assets | 82,534,000 | 87,202,000 | 86,362,000 | 88,493,000 |
Machine access — free, no API key
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