Call reports 2007
SCHERTZ BANK & TRUST — 2007
What SCHERTZ BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 134,461,000 | 130,483,000 | 134,486,000 | 142,467,000 |
| Total loans | 78,036,000 | 78,391,000 | 79,778,000 | 82,960,000 |
| Allowance for loan losses | 519,000 | 516,000 | 483,000 | 290,000 |
| Securities available for sale | 41,330,000 | 43,427,000 | 46,656,000 | 51,878,000 |
| Securities held to maturity | 25,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,511,000 | 112,568,000 | 112,113,000 | 121,079,000 |
| Interest-bearing deposits | 83,500,000 | 80,658,000 | 81,747,000 | 89,534,000 |
| Noninterest-bearing deposits | 33,011,000 | 31,910,000 | 30,366,000 | 31,545,000 |
| Equity capital | 17,562,000 | 17,550,000 | 18,269,000 | 18,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,056,000 | 4,145,000 | 6,267,000 | 8,482,000 |
| Interest expense | 670,000 | 1,372,000 | 2,068,000 | 2,787,000 |
| Net interest income | 1,386,000 | 2,773,000 | 4,199,000 | 5,695,000 |
| Noninterest income | 291,000 | 586,000 | 868,000 | 1,149,000 |
| Noninterest expense | 1,122,000 | 2,285,000 | 3,504,000 | 4,919,000 |
| Provision for loan losses | 1,000 | 4,000 | 6,000 | -164,000 |
| Pretax income | 554,000 | 1,070,000 | 1,557,000 | 2,089,000 |
| Income tax | 149,000 | 290,000 | 419,000 | 563,000 |
| Net income | 405,000 | 780,000 | 1,138,000 | 1,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,597,000 | 17,972,000 | 18,329,000 | 18,718,000 |
| Total capital | 18,116,000 | 18,488,000 | 18,812,000 | 19,008,000 |
| Risk-weighted assets | 87,857,000 | 87,277,000 | 88,664,000 | 93,913,000 |