Call reports 2002
GERMANTOWN TRUST & SAVINGS BANK — 2002
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 238,109,000 | 244,839,000 | 248,152,000 | 251,312,000 |
| Total loans | 119,564,000 | 119,876,000 | 122,731,000 | 120,999,000 |
| Allowance for loan losses | 904,000 | 910,000 | 913,000 | 894,000 |
| Securities available for sale | 111,255,000 | 108,165,000 | 111,355,000 | 116,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,814,000 | 188,612,000 | 190,798,000 | 195,619,000 |
| Interest-bearing deposits | 172,815,000 | 178,066,000 | 180,312,000 | 184,286,000 |
| Noninterest-bearing deposits | 9,999,000 | 10,546,000 | 10,486,000 | 11,333,000 |
| Equity capital | 27,795,000 | 30,429,000 | 31,094,000 | 32,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,841,000 | 7,618,000 | 11,378,000 | 15,008,000 |
| Interest expense | 1,930,000 | 3,743,000 | 5,587,000 | 7,377,000 |
| Net interest income | 1,911,000 | 3,875,000 | 5,791,000 | 7,631,000 |
| Noninterest income | 107,000 | 198,000 | 300,000 | 387,000 |
| Noninterest expense | 510,000 | 1,045,000 | 1,589,000 | 2,286,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 1,502,000 | 3,016,000 | 4,484,000 | 5,708,000 |
| Income tax | 0 | 0 | 7,000 | 27,000 |
| Net income | 1,502,000 | 3,016,000 | 4,477,000 | 5,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,156,000 | 27,946,000 | 28,357,000 | 29,562,000 |
| Total capital | 28,493,000 | 29,284,000 | 29,670,000 | 30,926,000 |
| Risk-weighted assets | 123,561,000 | 122,391,000 | 125,098,000 | 120,489,000 |