Schertz Bank & Trust
Schertz, TX — Non-member Bank
Active
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Schertz Bank & Trust | All Insured Commercial Banks in Texas |
| Interest and Fees on Loans | 12,478 | 10,872 |
| Income from Lease Financing Receivables | 193 | 2 |
| 221 | 44 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 112 | 22 |
| Income on Loans and Leases (TE) | 12,783 | 10,941 |
| Investment Interest Income (TE) | 550 | 2,007 |
| Total Interest Income (TE) | 13,407 | 13,476 |
| Total Interest Expense | 1,282 | 1,063 |
| Net Interest Income (TE) | 12,125 | 12,338 |
| Non-Interest Income | 1,454 | 2,639 |
| Adjusted Operating Income (TE) | 13,579 | 15,335 |
| Non-interest Expense | 7,497 | 9,693 |
| Provision for Loan & Lease Losses | 620 | 524 |
| Pretax Operating Income (TE) | 5,462 | 4,819 |
| Pretax Net Operating Income (TE) | 5,462 | 4,946 |
| Applicable Income Taxes | 1,712 | 576 |
| Net Operating Income | 3,636 | 3,858 |
| Net Income | 3,636 | 3,845 |
| Cash Dividends Declared | 313 | 1,701 |
| Retained Earnings | 3,323 | 1,997 |