Call reports 2006
GERMANTOWN TRUST & SAVINGS BANK — 2006
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 280,536,000 | 279,283,000 | 280,469,000 | 287,461,000 |
| Total loans | 120,924,000 | 121,430,000 | 121,977,000 | 124,043,000 |
| Allowance for loan losses | 923,000 | 861,000 | 869,000 | 944,000 |
| Securities available for sale | 150,969,000 | 147,867,000 | 149,485,000 | 154,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,813,000 | 220,504,000 | 220,679,000 | 221,981,000 |
| Interest-bearing deposits | 205,593,000 | 187,397,000 | 205,459,000 | 203,764,000 |
| Noninterest-bearing deposits | 17,220,000 | 33,107,000 | 15,220,000 | 18,217,000 |
| Equity capital | 32,085,000 | 30,589,000 | 33,300,000 | 34,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,418,000 | 6,958,000 | 10,579,000 | 14,363,000 |
| Interest expense | 1,860,000 | 3,835,000 | 5,927,000 | 8,075,000 |
| Net interest income | 1,558,000 | 3,123,000 | 4,652,000 | 6,288,000 |
| Noninterest income | 144,000 | 289,000 | 433,000 | 572,000 |
| Noninterest expense | 654,000 | 1,312,000 | 1,971,000 | 2,646,000 |
| Provision for loan losses | 5,000 | 11,000 | 19,000 | 117,000 |
| Pretax income | 1,043,000 | 2,096,000 | 3,189,000 | 4,285,000 |
| Income tax | 0 | 1,000 | 0 | 0 |
| Net income | 1,043,000 | 2,095,000 | 3,189,000 | 4,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,286,000 | 33,051,000 | 33,354,000 | 34,450,000 |
| Total capital | 34,933,000 | 34,626,000 | 34,892,000 | 35,986,000 |
| Risk-weighted assets | 135,567,000 | 136,971,000 | 136,785,000 | 138,743,000 |
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