Call reports 2012
SCHERTZ BANK & TRUST — 2012
What SCHERTZ BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 189,060,000 | 189,163,000 | 183,487,000 | 194,708,000 |
| Total loans | 85,611,000 | 86,072,000 | 80,420,000 | 89,412,000 |
| Allowance for loan losses | 549,000 | 658,000 | 579,000 | 703,000 |
| Securities available for sale | 84,572,000 | 89,329,000 | 84,208,000 | 75,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 2,012,000 |
| Total deposits | 166,621,000 | 166,554,000 | 160,410,000 | 171,959,000 |
| Interest-bearing deposits | 128,828,000 | 129,272,000 | 123,929,000 | 133,746,000 |
| Noninterest-bearing deposits | 37,793,000 | 37,282,000 | 36,481,000 | 38,213,000 |
| Equity capital | 22,196,000 | 22,343,000 | 22,698,000 | 22,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,825,000 | 3,496,000 | 5,113,000 | 6,686,000 |
| Interest expense | 147,000 | 270,000 | 372,000 | 462,000 |
| Net interest income | 1,678,000 | 3,226,000 | 4,741,000 | 6,224,000 |
| Noninterest income | 226,000 | 511,000 | 826,000 | 1,177,000 |
| Noninterest expense | 1,599,000 | 3,260,000 | 4,918,000 | 6,602,000 |
| Provision for loan losses | 205,000 | 307,000 | 307,000 | 405,000 |
| Pretax income | 100,000 | 170,000 | 342,000 | 503,000 |
| Income tax | -63,000 | -74,000 | -75,000 | -27,000 |
| Net income | 163,000 | 244,000 | 417,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,682,000 | 21,763,000 | 21,936,000 | 22,049,000 |
| Total capital | 22,231,000 | 22,421,000 | 22,515,000 | 22,752,000 |
| Risk-weighted assets | 110,299,000 | 109,215,000 | 107,716,000 | 116,255,000 |