Call reports 2025
FIRST NATIONAL BANK OF GERMANTOWN, THE — 2025
What FIRST NATIONAL BANK OF GERMANTOWN, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 91,596,000 | 89,855,000 | 93,019,000 | 93,682,000 |
| Total loans | 56,257,000 | 56,554,000 | 54,775,000 | 56,253,000 |
| Allowance for loan losses | 453,000 | 461,000 | 447,000 | 452,000 |
| Securities available for sale | 25,199,000 | 24,916,000 | 26,538,000 | 27,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,656,000 | 79,513,000 | 82,408,000 | 82,891,000 |
| Interest-bearing deposits | 67,679,000 | 66,189,000 | 67,018,000 | 67,303,000 |
| Noninterest-bearing deposits | 13,977,000 | 13,324,000 | 15,390,000 | 15,588,000 |
| Equity capital | 6,729,000 | 7,076,000 | 7,309,000 | 7,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 972,000 | 1,942,000 | 2,962,000 | 3,997,000 |
| Interest expense | 356,000 | 693,000 | 1,045,000 | 1,394,000 |
| Net interest income | 616,000 | 1,249,000 | 1,917,000 | 2,603,000 |
| Noninterest income | 94,000 | 220,000 | 330,000 | 453,000 |
| Noninterest expense | 580,000 | 1,176,000 | 1,791,000 | 2,467,000 |
| Provision for loan losses | 0 | 9,000 | -2,000 | 4,000 |
| Pretax income | 130,000 | 284,000 | 458,000 | 585,000 |
| Income tax | 27,000 | 60,000 | 96,000 | 123,000 |
| Net income | 103,000 | 224,000 | 362,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,668,000 | 7,789,000 | 7,927,000 | 8,028,000 |
| Total capital | 8,121,000 | 8,250,000 | 8,373,000 | 8,480,000 |
| Risk-weighted assets | 44,064,000 | 47,148,000 | 45,101,000 | 45,705,000 |