Schertz Bank & Trust in Schertz, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Schertz Bank & Trust - Overview

  • General
  • FDIC Certificate #: 10344
    Status: Active
    Federal Reserve ID: 583268
    Bank Holding Company (Regulatory Top Holder): Schertz Bancshares Corporation (RSSDID: 1105443, Location: Schertz, TX)
    Date Established: August 13, 1913
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 6623
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 519 Main Street, Schertz, TX 78154
    County: Guadalupe
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $189.6 mil
    Equity capital: $22.1 mil
    Deposits held in domestic offices: $167.2 mil
    Return on assets (ROA): 0.44% ($0.8 mil)
    Quarterly return on assets: 0.53% ($1.0 mil)
    Return on Equity (ROE): 3.77% ($0.8 mil)
    Quarterly return on equity: 4.63% ($1.0 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.36% ($682.7 mil)
    Quarterly Pretax return on assets: 0.11% ($208.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 59Total employees (full-time equivalent)
  • $189,631Total assets
  • $4,061Cash and due from depository institutions
  • $41Interest-bearing balances
  • $87,626Securities
  • $3,750Federal funds sold & reverse repurchase agreements
  • $86,198Net loans & leases
  • $412Loan loss allowance
  • $0Trading account assets
  • $2,795Bank premises and fixed assets
  • $2,432Other real estate owned
  • $0Goodwill and other intangibles
  • $189,631Life insurance assets
  • $2,769All other assets
  • $167,512Total liabilities and capital
  • $167,163Total liabilities
  • $133,646Total deposits
  • $167,163Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $349Subordinated debt
  • $22,119All other liabilities
  • $22,119Total equity capital
  • $22,119Total bank equity capital
  • $0Perpetual preferred stock
  • $226Common stock
  • $3,450Surplus
  • $18,443Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,539Income earned, not collected on loans
  • $1,095Earning assets
  • $687Long-term assets (5+ years)
  • $177,615Average Assets, year-to-date
  • $59,839Average Assets, quarterly
  • $187,554Volatile liabilities
  • $193,138Insider loans
  • $109,441FHLB advances
  • $190,092Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,529Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,598Restructured Loans and leases
  • $154Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,439Total interest income
  • $990Total interest expense
  • $6,449Net interest income
  • $211Provision for loan and lease losses
  • $1,033Total noninterest income
  • $0Fiduciary activities
  • $409Service charges on deposit accounts
  • $0Trading account gains & fees
  • $624Additional noninterest income
  • $6,599Total noninterest expense
  • $3,261Salaries and employee benefits
  • $718Premises and equipment expense
  • $2,620Additional noninterest expense
  • $672Pre-tax net operating income
  • $0Securities gains (losses)
  • -$147Applicable income taxes
  • $819Income before extraordinary items
  • $0Extraordinary gains - net
  • $819Net income attributable to bank
  • $0Net charge-offs
  • $819Cash dividends
  • $556Sale, conversion, retirement of capital stock, net
  • $10Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.21%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 3.77%Return on equity (ROE)
  • 3.73%Retained earnings to average equity (YTD only)
  • 0.62%Net charge-offs to loans
  • 37.95%Credit loss provision to net charge-offs
  • 1.59%Efficiency ratio
  • 88,198Assets per employee
  • 3.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.22%Loss allowance to loans
  • 0.48%Loss allowance to noncurrent loans
  • 16.23%Noncurrent assets plus other real estate owned to assets
  • 2.62%Noncurrent loans to loans
  • 2.93%Net loans and leases to deposits
  • 51.57%Net loans and leases to core deposits
  • 60.18%Equity capital to assets
  • 11.66%Core capital (leverage) ratio
  • 11.33%Tier 1 risk-based capital ratio
  • 19.67%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $187,554Average earning assets
  • $21,712Average equity
  • $176,735Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06623Schertz Bank & Trust519 Main Street, Schertz, TX 78154August 13, 1913Full Service Brick and Mortar
    114648Kirby Branch5020 F.M. 78, Kirby, TX 78233August 13, 1973Full Service Brick and Mortar
    2222298Ih 35 Branch16852 Ih 35 North, Schertz, TX 78154March 06, 1998Full Service Brick and Mortar
    3453947Sequin Branch203 Highway 123 Bypass North, Seguin, TX 78155June 26, 2006Full Service Brick and Mortar
    4487491San Marcos Branch1917 Dutton Drive, Suite 210, San Marcos, TX 78666Febuary 17, 2009Full Service Brick and Mortar

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