Call reports 2009
SCHERTZ BANK & TRUST — 2009
What SCHERTZ BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 150,808,000 | 155,719,000 | 169,290,000 | 173,888,000 |
| Total loans | 86,792,000 | 85,385,000 | 85,255,000 | 96,727,000 |
| Allowance for loan losses | 397,000 | 425,000 | 447,000 | 467,000 |
| Securities available for sale | 48,451,000 | 51,756,000 | 65,687,000 | 62,227,000 |
| Securities held to maturity | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,450,000 | 133,978,000 | 146,972,000 | 148,977,000 |
| Interest-bearing deposits | 100,541,000 | 104,557,000 | 115,539,000 | 120,045,000 |
| Noninterest-bearing deposits | 28,909,000 | 29,421,000 | 31,433,000 | 28,932,000 |
| Equity capital | 20,585,000 | 20,939,000 | 21,416,000 | 21,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,076,000 | 4,072,000 | 6,118,000 | 8,204,000 |
| Interest expense | 405,000 | 772,000 | 1,166,000 | 1,544,000 |
| Net interest income | 1,671,000 | 3,300,000 | 4,952,000 | 6,660,000 |
| Noninterest income | 276,000 | 499,000 | 668,000 | 1,069,000 |
| Noninterest expense | 1,428,000 | 2,885,000 | 4,328,000 | 6,041,000 |
| Provision for loan losses | 60,000 | 122,000 | 149,000 | 278,000 |
| Pretax income | 459,000 | 792,000 | 1,143,000 | 1,410,000 |
| Income tax | 126,000 | 207,000 | 283,000 | 278,000 |
| Net income | 333,000 | 585,000 | 860,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,835,000 | 20,087,000 | 20,362,000 | 20,634,000 |
| Total capital | 20,232,000 | 20,512,000 | 20,809,000 | 21,101,000 |
| Risk-weighted assets | 100,153,000 | 100,198,000 | 104,599,000 | 115,482,000 |
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