Call reports 2016
SCHERTZ BANK & TRUST — 2016
What SCHERTZ BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 275,856,000 | 294,383,000 | 307,701,000 | 319,048,000 |
| Total loans | 217,831,000 | 247,949,000 | 250,872,000 | 249,043,000 |
| Allowance for loan losses | 1,607,000 | 1,737,000 | 2,016,000 | 2,087,000 |
| Securities available for sale | 28,844,000 | 27,329,000 | 24,807,000 | 22,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,452,000 | 256,077,000 | 270,227,000 | 286,977,000 |
| Interest-bearing deposits | 199,139,000 | 203,623,000 | 216,106,000 | 224,577,000 |
| Noninterest-bearing deposits | 47,313,000 | 52,454,000 | 54,121,000 | 62,400,000 |
| Equity capital | 28,354,000 | 29,320,000 | 30,444,000 | 30,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,072,000 | 6,372,000 | 9,810,000 | 13,293,000 |
| Interest expense | 258,000 | 560,000 | 931,000 | 1,282,000 |
| Net interest income | 2,814,000 | 5,812,000 | 8,879,000 | 12,011,000 |
| Noninterest income | 228,000 | 451,000 | 1,170,000 | 1,454,000 |
| Noninterest expense | 1,759,000 | 3,534,000 | 5,336,000 | 7,497,000 |
| Provision for loan losses | 105,000 | 235,000 | 515,000 | 620,000 |
| Pretax income | 1,178,000 | 2,494,000 | 4,198,000 | 5,348,000 |
| Income tax | 365,000 | 788,000 | 1,349,000 | 1,712,000 |
| Net income | 813,000 | 1,706,000 | 2,849,000 | 3,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,341,000 | 29,233,000 | 30,377,000 | 31,164,000 |
| Total capital | 29,948,000 | 30,970,000 | 32,393,000 | 33,251,000 |
| Risk-weighted assets | 240,224,000 | 278,450,000 | 282,792,000 | 285,429,000 |