Call reports 2004
GERMANTOWN TRUST & SAVINGS BANK — 2004
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 259,613,000 | 260,966,000 | 268,253,000 | 272,181,000 |
| Total loans | 116,834,000 | 117,008,000 | 119,059,000 | 118,167,000 |
| Allowance for loan losses | 945,000 | 945,000 | 951,000 | 951,000 |
| Securities available for sale | 134,370,000 | 135,815,000 | 141,461,000 | 145,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,760,000 | 203,576,000 | 207,657,000 | 210,838,000 |
| Interest-bearing deposits | 167,787,000 | 190,688,000 | 193,644,000 | 194,355,000 |
| Noninterest-bearing deposits | 31,973,000 | 12,888,000 | 14,013,000 | 16,483,000 |
| Equity capital | 34,658,000 | 30,891,000 | 33,850,000 | 34,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,145,000 | 6,239,000 | 9,390,000 | 12,546,000 |
| Interest expense | 1,475,000 | 2,921,000 | 4,414,000 | 5,965,000 |
| Net interest income | 1,670,000 | 3,318,000 | 4,976,000 | 6,581,000 |
| Noninterest income | 124,000 | 251,000 | 390,000 | 510,000 |
| Noninterest expense | 580,000 | 1,162,000 | 1,775,000 | 2,442,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 18,000 |
| Pretax income | 1,208,000 | 2,395,000 | 3,573,000 | 4,631,000 |
| Income tax | 0 | 2,000 | 4,000 | 5,000 |
| Net income | 1,208,000 | 2,393,000 | 3,569,000 | 4,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,285,000 | 30,936,000 | 31,201,000 | 32,258,000 |
| Total capital | 32,769,000 | 32,397,000 | 32,682,000 | 33,938,000 |
| Risk-weighted assets | 125,928,000 | 128,628,000 | 128,506,000 | 129,694,000 |
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