Call reports 2010
SCHERTZ BANK & TRUST — 2010
What SCHERTZ BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 181,195,000 | 189,218,000 | 182,345,000 | 183,781,000 |
| Total loans | 99,261,000 | 99,343,000 | 100,591,000 | 92,960,000 |
| Allowance for loan losses | 526,000 | 606,000 | 566,000 | 757,000 |
| Securities available for sale | 59,778,000 | 68,353,000 | 62,141,000 | 61,520,000 |
| Securities held to maturity | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,843,000 | 166,829,000 | 159,664,000 | 161,996,000 |
| Interest-bearing deposits | 128,219,000 | 137,209,000 | 129,866,000 | 131,777,000 |
| Noninterest-bearing deposits | 30,624,000 | 29,620,000 | 29,798,000 | 30,219,000 |
| Equity capital | 21,576,000 | 21,663,000 | 21,897,000 | 21,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,949,000 | 4,030,000 | 6,125,000 | 8,048,000 |
| Interest expense | 349,000 | 700,000 | 1,016,000 | 1,314,000 |
| Net interest income | 1,600,000 | 3,330,000 | 5,109,000 | 6,734,000 |
| Noninterest income | 243,000 | 500,000 | 726,000 | 760,000 |
| Noninterest expense | 1,467,000 | 3,435,000 | 5,052,000 | 6,554,000 |
| Provision for loan losses | 91,000 | 180,000 | 183,000 | 399,000 |
| Pretax income | 285,000 | 215,000 | 600,000 | 541,000 |
| Income tax | 50,000 | -22,000 | 58,000 | 146,000 |
| Net income | 235,000 | 237,000 | 542,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,559,000 | 20,561,000 | 20,867,000 | 20,720,000 |
| Total capital | 21,085,000 | 21,167,000 | 21,433,000 | 21,477,000 |
| Risk-weighted assets | 118,163,000 | 119,291,000 | 118,872,000 | 111,923,000 |