Call reports 2019
SCHERTZ BANK & TRUST — 2019
What SCHERTZ BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 407,329,000 | 407,065,000 | 406,983,000 | 416,073,000 |
| Total loans | 311,424,000 | 313,761,000 | 331,519,000 | 346,111,000 |
| Allowance for loan losses | 3,496,000 | 3,607,000 | 3,736,000 | 4,070,000 |
| Securities available for sale | 11,204,000 | 12,191,000 | 11,383,000 | 10,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,894,000 | 355,192,000 | 353,103,000 | 360,500,000 |
| Interest-bearing deposits | 284,786,000 | 285,450,000 | 282,285,000 | 293,628,000 |
| Noninterest-bearing deposits | 70,108,000 | 69,742,000 | 70,818,000 | 66,872,000 |
| Equity capital | 50,516,000 | 50,102,000 | 51,836,000 | 53,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,733,000 | 9,590,000 | 14,909,000 | 20,319,000 |
| Interest expense | 1,077,000 | 2,307,000 | 3,536,000 | 4,785,000 |
| Net interest income | 3,656,000 | 7,283,000 | 11,373,000 | 15,534,000 |
| Noninterest income | 175,000 | 447,000 | 653,000 | 883,000 |
| Noninterest expense | 2,053,000 | 4,061,000 | 6,057,000 | 8,115,000 |
| Provision for loan losses | 135,000 | 225,000 | 360,000 | 695,000 |
| Pretax income | 1,643,000 | 3,444,000 | 5,609,000 | 7,607,000 |
| Income tax | 333,000 | 699,000 | 1,145,000 | 1,492,000 |
| Net income | 1,310,000 | 2,745,000 | 4,464,000 | 6,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,833,000 | 50,255,000 | 51,974,000 | 53,626,000 |
| Total capital | 54,329,000 | 53,862,000 | 55,710,000 | 57,696,000 |
| Risk-weighted assets | 343,118,000 | 354,218,000 | 371,251,000 | 392,078,000 |