Call reports 2018
SCHERTZ BANK & TRUST — 2018
What SCHERTZ BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 382,801,000 | 378,711,000 | 385,587,000 | 408,416,000 |
| Total loans | 309,318,000 | 318,424,000 | 320,980,000 | 324,698,000 |
| Allowance for loan losses | 2,943,000 | 3,074,000 | 3,208,000 | 3,413,000 |
| Securities available for sale | 15,472,000 | 13,791,000 | 12,571,000 | 11,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,345,000 | 330,981,000 | 336,184,000 | 357,057,000 |
| Interest-bearing deposits | 272,171,000 | 270,589,000 | 270,809,000 | 292,135,000 |
| Noninterest-bearing deposits | 64,174,000 | 60,392,000 | 65,375,000 | 64,922,000 |
| Equity capital | 45,176,000 | 46,373,000 | 47,873,000 | 49,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,322,000 | 8,838,000 | 13,515,000 | 18,466,000 |
| Interest expense | 662,000 | 1,363,000 | 2,204,000 | 3,158,000 |
| Net interest income | 3,660,000 | 7,475,000 | 11,311,000 | 15,308,000 |
| Noninterest income | 181,000 | 368,000 | 544,000 | 724,000 |
| Noninterest expense | 1,997,000 | 3,870,000 | 5,833,000 | 7,821,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 620,000 |
| Pretax income | 1,709,000 | 3,704,000 | 5,618,000 | 7,592,000 |
| Income tax | 350,000 | 760,000 | 1,154,000 | 1,581,000 |
| Net income | 1,359,000 | 2,944,000 | 4,464,000 | 6,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,622,000 | 46,856,000 | 48,376,000 | 49,923,000 |
| Total capital | 48,565,000 | 49,930,000 | 51,584,000 | 53,336,000 |
| Risk-weighted assets | 334,171,000 | 340,455,000 | 332,608,000 | 357,672,000 |