Call reports 2023
SCHERTZ BANK & TRUST — 2023
What SCHERTZ BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 737,577,000 | 771,770,000 | 791,972,000 | 829,902,000 |
| Total loans | 689,153,000 | 699,217,000 | 702,804,000 | 719,356,000 |
| Allowance for loan losses | 7,420,000 | 7,601,000 | 7,784,000 | 8,212,000 |
| Securities available for sale | 10,887,000 | 10,461,000 | 9,759,000 | 9,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 620,146,000 | 663,920,000 | 680,611,000 | 715,005,000 |
| Interest-bearing deposits | 493,017,000 | 528,646,000 | 551,180,000 | 598,188,000 |
| Noninterest-bearing deposits | 127,129,000 | 135,274,000 | 129,431,000 | 116,817,000 |
| Equity capital | 78,034,000 | 78,826,000 | 81,219,000 | 84,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 9,508,000 | 19,963,000 | 31,127,000 | 43,091,000 |
| Interest expense | 3,172,000 | 7,471,000 | 12,537,000 | 18,390,000 |
| Net interest income | 6,336,000 | 12,492,000 | 18,590,000 | 24,701,000 |
| Noninterest income | 235,000 | 496,000 | 752,000 | 1,014,000 |
| Noninterest expense | 2,677,000 | 5,368,000 | 8,241,000 | 11,100,000 |
| Provision for loan losses | 180,000 | 360,000 | 539,000 | 970,000 |
| Pretax income | 3,714,000 | 7,356,000 | 10,679,000 | 13,767,000 |
| Income tax | 772,000 | 1,464,000 | 2,150,000 | 2,640,000 |
| Net income | 2,942,000 | 5,892,000 | 8,529,000 | 11,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,556,000 | 80,321,000 | 82,974,000 | 85,571,000 |
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