Call reports 2020
SCHERTZ BANK & TRUST — 2020
What SCHERTZ BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 432,976,000 | 506,551,000 | 521,759,000 | 528,001,000 |
| Total loans | 367,156,000 | 404,849,000 | 415,581,000 | 426,164,000 |
| Allowance for loan losses | 5,039,000 | 4,121,000 | 4,121,000 | 4,483,000 |
| Securities available for sale | 18,139,000 | 17,564,000 | 8,783,000 | 7,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,064,000 | 420,163,000 | 433,193,000 | 452,603,000 |
| Interest-bearing deposits | 303,137,000 | 322,953,000 | 330,535,000 | 351,922,000 |
| Noninterest-bearing deposits | 73,927,000 | 97,210,000 | 102,658,000 | 100,681,000 |
| Equity capital | 53,948,000 | 54,416,000 | 56,480,000 | 58,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,284,000 | 11,142,000 | 16,886,000 | 22,728,000 |
| Interest expense | 1,282,000 | 2,470,000 | 3,646,000 | 4,753,000 |
| Net interest income | 4,002,000 | 8,672,000 | 13,240,000 | 17,975,000 |
| Noninterest income | 188,000 | 368,000 | 605,000 | 798,000 |
| Noninterest expense | 2,218,000 | 4,387,000 | 6,597,000 | 8,957,000 |
| Provision for loan losses | 975,000 | 1,065,000 | 1,065,000 | 1,365,000 |
| Pretax income | 997,000 | 3,588,000 | 6,183,000 | 8,451,000 |
| Income tax | 380,000 | 722,000 | 1,249,000 | 1,690,000 |
| Net income | 617,000 | 2,866,000 | 4,934,000 | 6,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,922,000 | 54,272,000 | 56,340,000 | 58,167,000 |