Call reports 2003
GERMANTOWN TRUST & SAVINGS BANK — 2003
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 250,593,000 | 256,275,000 | 254,274,000 | 259,485,000 |
| Total loans | 119,420,000 | 117,162,000 | 116,788,000 | 113,427,000 |
| Allowance for loan losses | 925,000 | 931,000 | 933,000 | 939,000 |
| Securities available for sale | 105,976,000 | 116,640,000 | 129,030,000 | 135,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,860,000 | 196,728,000 | 197,060,000 | 200,332,000 |
| Interest-bearing deposits | 185,518,000 | 184,404,000 | 185,312,000 | 186,810,000 |
| Noninterest-bearing deposits | 10,342,000 | 12,324,000 | 11,748,000 | 13,522,000 |
| Equity capital | 32,387,000 | 33,025,000 | 31,482,000 | 32,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,566,000 | 7,101,000 | 10,361,000 | 13,566,000 |
| Interest expense | 1,626,000 | 3,191,000 | 4,712,000 | 6,208,000 |
| Net interest income | 1,940,000 | 3,910,000 | 5,649,000 | 7,358,000 |
| Noninterest income | 121,000 | 228,000 | 343,000 | 445,000 |
| Noninterest expense | 547,000 | 1,101,000 | 1,652,000 | 2,364,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 1,508,000 | 3,025,000 | 4,324,000 | 5,417,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,508,000 | 3,025,000 | 4,324,000 | 5,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,924,000 | 29,650,000 | 30,013,000 | 31,106,000 |
| Total capital | 31,357,000 | 31,090,000 | 31,488,000 | 32,552,000 |
| Risk-weighted assets | 120,822,000 | 121,926,000 | 126,232,000 | 124,285,000 |