Call reports 2005
GERMANTOWN TRUST & SAVINGS BANK — 2005
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 269,749,000 | 274,287,000 | 276,474,000 | 276,832,000 |
| Total loans | 119,678,000 | 119,558,000 | 119,251,000 | 118,356,000 |
| Allowance for loan losses | 952,000 | 908,000 | 913,000 | 918,000 |
| Securities available for sale | 142,929,000 | 147,024,000 | 148,642,000 | 149,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,655,000 | 212,980,000 | 213,904,000 | 219,561,000 |
| Interest-bearing deposits | 194,681,000 | 197,932,000 | 198,718,000 | 200,378,000 |
| Noninterest-bearing deposits | 14,974,000 | 15,048,000 | 15,186,000 | 19,183,000 |
| Equity capital | 32,441,000 | 33,686,000 | 33,093,000 | 32,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,146,000 | 6,401,000 | 9,714,000 | 13,044,000 |
| Interest expense | 1,554,000 | 3,238,000 | 4,986,000 | 6,838,000 |
| Net interest income | 1,592,000 | 3,163,000 | 4,728,000 | 6,206,000 |
| Noninterest income | 128,000 | 279,000 | 464,000 | 604,000 |
| Noninterest expense | 627,000 | 1,285,000 | 1,937,000 | 2,577,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 14,000 |
| Pretax income | 1,088,000 | 2,148,000 | 3,241,000 | 4,219,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 1,088,000 | 2,148,000 | 3,240,000 | 4,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,257,000 | 31,982,000 | 32,276,000 | 33,250,000 |
| Total capital | 33,862,000 | 33,565,000 | 33,909,000 | 34,922,000 |
| Risk-weighted assets | 131,587,000 | 132,571,000 | 133,504,000 | 133,798,000 |