Call reports 2014
SCHERTZ BANK & TRUST — 2014
What SCHERTZ BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 212,827,000 | 233,622,000 | 229,187,000 | 236,207,000 |
| Total loans | 143,166,000 | 155,103,000 | 158,797,000 | 166,253,000 |
| Allowance for loan losses | 954,000 | 1,035,000 | 1,167,000 | 1,198,000 |
| Securities available for sale | 49,886,000 | 48,226,000 | 40,523,000 | 38,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,784,000 | 198,771,000 | 199,583,000 | 210,204,000 |
| Interest-bearing deposits | 128,767,000 | 151,439,000 | 150,840,000 | 161,636,000 |
| Noninterest-bearing deposits | 46,017,000 | 47,332,000 | 48,743,000 | 48,568,000 |
| Equity capital | 23,245,000 | 24,071,000 | 24,725,000 | 25,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,143,000 | 4,417,000 | 6,790,000 | 9,204,000 |
| Interest expense | 80,000 | 197,000 | 338,000 | 482,000 |
| Net interest income | 2,063,000 | 4,220,000 | 6,452,000 | 8,722,000 |
| Noninterest income | 319,000 | 597,000 | 861,000 | 1,084,000 |
| Noninterest expense | 1,662,000 | 3,210,000 | 4,766,000 | 6,530,000 |
| Provision for loan losses | 40,000 | 90,000 | 140,000 | 170,000 |
| Pretax income | 680,000 | 1,517,000 | 2,307,000 | 3,006,000 |
| Income tax | 192,000 | 446,000 | 685,000 | 867,000 |
| Net income | 488,000 | 1,071,000 | 1,622,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,746,000 | 24,328,000 | 24,880,000 | 25,397,000 |
| Total capital | 24,700,000 | 25,363,000 | 26,047,000 | 26,595,000 |
| Risk-weighted assets | 164,005,000 | 177,863,000 | 184,334,000 | 193,173,000 |