Call reports 2022
SCHERTZ BANK & TRUST — 2022
What SCHERTZ BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 654,535,000 | 652,850,000 | 686,948,000 | 716,830,000 |
| Total loans | 487,981,000 | 549,517,000 | 600,436,000 | 654,722,000 |
| Allowance for loan losses | 5,249,000 | 5,698,000 | 6,390,000 | 7,239,000 |
| Securities available for sale | 13,792,000 | 22,206,000 | 21,556,000 | 16,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 570,095,000 | 573,262,000 | 602,968,000 | 613,182,000 |
| Interest-bearing deposits | 435,887,000 | 433,372,000 | 458,979,000 | 480,809,000 |
| Noninterest-bearing deposits | 134,208,000 | 139,890,000 | 143,989,000 | 132,373,000 |
| Equity capital | 66,877,000 | 67,410,000 | 71,555,000 | 75,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,445,000 | 13,767,000 | 22,084,000 | 31,091,000 |
| Interest expense | 796,000 | 1,575,000 | 2,613,000 | 4,774,000 |
| Net interest income | 5,649,000 | 12,192,000 | 19,471,000 | 26,317,000 |
| Noninterest income | 255,000 | 560,000 | 1,868,000 | 3,289,000 |
| Noninterest expense | 2,443,000 | 4,869,000 | 7,343,000 | 9,886,000 |
| Provision for loan losses | 150,000 | 600,000 | 1,300,000 | 2,150,000 |
| Pretax income | 3,311,000 | 7,283,000 | 12,696,000 | 17,570,000 |
| Income tax | 665,000 | 1,465,000 | 2,567,000 | 3,522,000 |
| Net income | 2,646,000 | 5,818,000 | 10,129,000 | 14,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,483,000 | 68,829,000 | 73,139,000 | 77,060,000 |
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