Call reports 2024
SCHERTZ BANK & TRUST — 2024
What SCHERTZ BANK & TRUST reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 872,872,000 | 879,884,000 | 896,787,000 | 880,781,000 |
| Total loans | 709,259,000 | 695,493,000 | 692,566,000 | 687,284,000 |
| Allowance for loan losses | 8,396,000 | 8,689,000 | 8,809,000 | 8,670,000 |
| Securities available for sale | 10,349,000 | 13,118,000 | 13,419,000 | 32,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,041,000 | 771,243,000 | 783,823,000 | 767,927,000 |
| Interest-bearing deposits | 648,300,000 | 647,120,000 | 664,336,000 | 653,451,000 |
| Noninterest-bearing deposits | 116,741,000 | 124,123,000 | 119,487,000 | 114,476,000 |
| Equity capital | 86,229,000 | 87,219,000 | 90,877,000 | 92,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 12,696,000 | 25,761,000 | 39,572,000 | 53,636,000 |
| Interest expense | 6,808,000 | 13,713,000 | 20,956,000 | 27,984,000 |
| Net interest income | 5,888,000 | 12,048,000 | 18,616,000 | 25,652,000 |
| Noninterest income | 259,000 | 520,000 | 1,119,000 | 1,382,000 |
| Noninterest expense | 3,178,000 | 6,235,000 | 9,289,000 | 12,115,000 |
| Provision for loan losses | 180,000 | 360,000 | 480,000 | 2,280,000 |
| Pretax income | 2,789,000 | 5,973,000 | 9,966,000 | 12,639,000 |
| Income tax | 556,000 | 1,192,000 | 2,001,000 | 2,531,000 |
| Net income | 2,233,000 | 4,781,000 | 7,965,000 | 10,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,847,000 | 88,669,000 | 91,853,000 | 93,996,000 |
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