Call reports 2011
SCHERTZ BANK & TRUST — 2011
What SCHERTZ BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 182,074,000 | 185,640,000 | 196,644,000 | 189,631,000 |
| Total loans | 89,854,000 | 87,775,000 | 88,398,000 | 87,650,000 |
| Allowance for loan losses | 746,000 | 768,000 | 833,000 | 412,000 |
| Securities available for sale | 69,442,000 | 82,794,000 | 88,403,000 | 87,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,447,000 | 163,482,000 | 173,873,000 | 167,163,000 |
| Interest-bearing deposits | 127,464,000 | 131,210,000 | 135,229,000 | 133,646,000 |
| Noninterest-bearing deposits | 32,983,000 | 32,272,000 | 38,644,000 | 33,517,000 |
| Equity capital | 21,301,000 | 21,727,000 | 22,108,000 | 22,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,957,000 | 3,828,000 | 5,661,000 | 7,439,000 |
| Interest expense | 267,000 | 547,000 | 801,000 | 990,000 |
| Net interest income | 1,690,000 | 3,281,000 | 4,860,000 | 6,449,000 |
| Noninterest income | 302,000 | 608,000 | 820,000 | 1,033,000 |
| Noninterest expense | 1,621,000 | 3,328,000 | 4,905,000 | 6,599,000 |
| Provision for loan losses | 1,000 | 31,000 | 154,000 | 211,000 |
| Pretax income | 370,000 | 530,000 | 621,000 | 672,000 |
| Income tax | 76,000 | 66,000 | 58,000 | -147,000 |
| Net income | 294,000 | 464,000 | 563,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,004,000 | 21,173,000 | 21,272,000 | 21,529,000 |
| Total capital | 21,750,000 | 21,941,000 | 22,105,000 | 21,941,000 |
| Risk-weighted assets | 109,502,000 | 109,267,000 | 111,727,000 | 109,441,000 |