Call reports 2013
SCHERTZ BANK & TRUST — 2013
What SCHERTZ BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 201,118,000 | 202,089,000 | 198,726,000 | 199,828,000 |
| Total loans | 98,503,000 | 108,664,000 | 119,018,000 | 133,570,000 |
| Allowance for loan losses | 744,000 | 792,000 | 879,000 | 901,000 |
| Securities available for sale | 72,496,000 | 67,772,000 | 60,177,000 | 53,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,031,000 | 2,033,000 | 2,098,000 | 0 |
| Total deposits | 178,266,000 | 179,076,000 | 160,337,000 | 167,022,000 |
| Interest-bearing deposits | 139,790,000 | 138,243,000 | 118,436,000 | 124,974,000 |
| Noninterest-bearing deposits | 38,476,000 | 40,833,000 | 41,901,000 | 42,048,000 |
| Equity capital | 22,433,000 | 22,442,000 | 22,214,000 | 22,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,607,000 | 3,324,000 | 5,417,000 | 7,527,000 |
| Interest expense | 85,000 | 165,000 | 241,000 | 318,000 |
| Net interest income | 1,522,000 | 3,159,000 | 5,176,000 | 7,209,000 |
| Noninterest income | 357,000 | 713,000 | 917,000 | 1,210,000 |
| Noninterest expense | 1,605,000 | 3,208,000 | 4,795,000 | 6,461,000 |
| Provision for loan losses | 30,000 | 70,000 | 140,000 | 200,000 |
| Pretax income | 409,000 | 759,000 | 1,327,000 | 1,933,000 |
| Income tax | 104,000 | 182,000 | 336,000 | 511,000 |
| Net income | 305,000 | 577,000 | 991,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,354,000 | 22,626,000 | 23,039,000 | 23,470,000 |
| Total capital | 23,098,000 | 23,418,000 | 23,918,000 | 24,371,000 |
| Risk-weighted assets | 124,096,000 | 135,999,000 | 145,134,000 | 155,145,000 |
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