Call reports 2008
SCHERTZ BANK & TRUST — 2008
What SCHERTZ BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 157,418,000 | 154,007,000 | 157,110,000 | 153,139,000 |
| Total loans | 83,519,000 | 83,238,000 | 86,656,000 | 87,556,000 |
| Allowance for loan losses | 283,000 | 286,000 | 231,000 | 338,000 |
| Securities available for sale | 47,583,000 | 58,523,000 | 59,402,000 | 52,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,160,000 | 134,348,000 | 136,293,000 | 130,110,000 |
| Interest-bearing deposits | 106,141,000 | 101,662,000 | 105,386,000 | 101,985,000 |
| Noninterest-bearing deposits | 31,019,000 | 32,686,000 | 30,907,000 | 28,125,000 |
| Equity capital | 19,405,000 | 19,230,000 | 20,130,000 | 20,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,271,000 | 4,570,000 | 6,795,000 | 9,007,000 |
| Interest expense | 705,000 | 1,284,000 | 1,882,000 | 2,413,000 |
| Net interest income | 1,566,000 | 3,286,000 | 4,913,000 | 6,594,000 |
| Noninterest income | 305,000 | 557,000 | 813,000 | 1,024,000 |
| Noninterest expense | 1,320,000 | 2,582,000 | 3,931,000 | 5,529,000 |
| Provision for loan losses | 4,000 | 1,000 | 1,000 | 182,000 |
| Pretax income | 547,000 | 1,260,000 | 1,794,000 | 1,907,000 |
| Income tax | 155,000 | 367,000 | 520,000 | 526,000 |
| Net income | 392,000 | 893,000 | 1,274,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,812,000 | 19,313,000 | 19,694,000 | 19,800,000 |
| Total capital | 19,095,000 | 19,599,000 | 19,925,000 | 20,138,000 |
| Risk-weighted assets | 97,727,000 | 98,622,000 | 99,550,000 | 99,321,000 |
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