Call reports 2017
SCHERTZ BANK & TRUST — 2017
What SCHERTZ BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 357,505,000 | 357,609,000 | 365,296,000 | 380,040,000 |
| Total loans | 257,718,000 | 275,590,000 | 298,427,000 | 313,374,000 |
| Allowance for loan losses | 2,224,000 | 2,358,000 | 2,475,000 | 2,807,000 |
| Securities available for sale | 20,909,000 | 19,591,000 | 17,923,000 | 16,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,691,000 | 313,786,000 | 320,424,000 | 334,383,000 |
| Interest-bearing deposits | 269,399,000 | 259,700,000 | 259,333,000 | 264,794,000 |
| Noninterest-bearing deposits | 55,292,000 | 54,086,000 | 61,091,000 | 69,589,000 |
| Equity capital | 31,381,000 | 42,476,000 | 43,462,000 | 44,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,608,000 | 7,461,000 | 11,589,000 | 15,897,000 |
| Interest expense | 449,000 | 978,000 | 1,553,000 | 2,161,000 |
| Net interest income | 3,159,000 | 6,483,000 | 10,036,000 | 13,736,000 |
| Noninterest income | 227,000 | 416,000 | 596,000 | 777,000 |
| Noninterest expense | 1,994,000 | 3,813,000 | 5,909,000 | 7,812,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 740,000 |
| Pretax income | 1,257,000 | 2,816,000 | 4,318,000 | 5,961,000 |
| Income tax | 414,000 | 930,000 | 1,425,000 | 2,104,000 |
| Net income | 843,000 | 1,886,000 | 2,893,000 | 3,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,598,000 | 42,640,000 | 43,647,000 | 44,663,000 |
| Total capital | 33,822,000 | 44,998,000 | 46,122,000 | 47,470,000 |
| Risk-weighted assets | 299,709,000 | 313,904,000 | 330,952,000 | 340,116,000 |