Call reports 2021
SCHERTZ BANK & TRUST — 2021
What SCHERTZ BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 568,294,000 | 595,681,000 | 627,284,000 | 656,486,000 |
| Total loans | 439,605,000 | 467,730,000 | 470,488,000 | 466,726,000 |
| Allowance for loan losses | 4,715,000 | 4,829,000 | 5,125,000 | 5,100,000 |
| Securities available for sale | 6,679,000 | 7,782,000 | 7,241,000 | 15,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,800,000 | 518,198,000 | 547,031,000 | 574,118,000 |
| Interest-bearing deposits | 382,872,000 | 409,790,000 | 417,621,000 | 434,384,000 |
| Noninterest-bearing deposits | 107,928,000 | 108,408,000 | 129,410,000 | 139,734,000 |
| Equity capital | 60,095,000 | 60,544,000 | 62,995,000 | 65,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,817,000 | 11,957,000 | 18,374,000 | 24,703,000 |
| Interest expense | 1,022,000 | 1,993,000 | 2,949,000 | 3,836,000 |
| Net interest income | 4,795,000 | 9,964,000 | 15,425,000 | 20,867,000 |
| Noninterest income | 443,000 | 654,000 | 877,000 | 1,163,000 |
| Noninterest expense | 2,202,000 | 4,489,000 | 6,799,000 | 9,344,000 |
| Provision for loan losses | 235,000 | 370,000 | 660,000 | 995,000 |
| Pretax income | 2,801,000 | 5,759,000 | 8,843,000 | 11,691,000 |
| Income tax | 576,000 | 1,189,000 | 1,825,000 | 2,378,000 |
| Net income | 2,225,000 | 4,570,000 | 7,018,000 | 9,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,996,000 | 60,490,000 | 62,938,000 | 65,234,000 |
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