Call reports 2015
SCHERTZ BANK & TRUST — 2015
What SCHERTZ BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 242,998,000 | 244,296,000 | 249,626,000 | 249,488,000 |
| Total loans | 175,676,000 | 187,540,000 | 197,095,000 | 201,335,000 |
| Allowance for loan losses | 1,244,000 | 1,345,000 | 1,408,000 | 1,502,000 |
| Securities available for sale | 36,352,000 | 34,235,000 | 32,206,000 | 30,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,418,000 | 217,081,000 | 221,460,000 | 220,996,000 |
| Interest-bearing deposits | 169,035,000 | 170,667,000 | 174,214,000 | 173,654,000 |
| Noninterest-bearing deposits | 47,383,000 | 46,414,000 | 47,246,000 | 47,342,000 |
| Equity capital | 25,820,000 | 26,486,000 | 27,223,000 | 27,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,432,000 | 5,118,000 | 7,818,000 | 10,665,000 |
| Interest expense | 161,000 | 366,000 | 576,000 | 792,000 |
| Net interest income | 2,271,000 | 4,752,000 | 7,242,000 | 9,873,000 |
| Noninterest income | 219,000 | 492,000 | 732,000 | 984,000 |
| Noninterest expense | 1,557,000 | 3,187,000 | 4,805,000 | 6,551,000 |
| Provision for loan losses | 45,000 | 145,000 | 205,000 | 300,000 |
| Pretax income | 888,000 | 1,912,000 | 2,964,000 | 4,006,000 |
| Income tax | 284,000 | 599,000 | 930,000 | 1,264,000 |
| Net income | 604,000 | 1,313,000 | 2,034,000 | 2,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,762,000 | 26,412,000 | 27,133,000 | 27,841,000 |
| Total capital | 27,006,000 | 27,757,000 | 28,541,000 | 29,343,000 |
| Risk-weighted assets | 194,913,000 | 207,110,000 | 213,112,000 | 222,892,000 |