Call reports 2007
GERMANTOWN TRUST & SAVINGS BANK — 2007
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 291,877,000 | 294,357,000 | 297,056,000 | 297,407,000 |
| Total loans | 126,241,000 | 123,768,000 | 125,249,000 | 124,845,000 |
| Allowance for loan losses | 955,000 | 963,000 | 921,000 | 926,000 |
| Securities available for sale | 154,968,000 | 159,125,000 | 163,118,000 | 162,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,951,000 | 227,684,000 | 227,382,000 | 227,961,000 |
| Interest-bearing deposits | 208,113,000 | 211,080,000 | 211,049,000 | 211,321,000 |
| Noninterest-bearing deposits | 16,838,000 | 16,604,000 | 16,333,000 | 16,640,000 |
| Equity capital | 35,234,000 | 34,558,000 | 35,462,000 | 38,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,899,000 | 7,935,000 | 11,679,000 | 16,435,000 |
| Interest expense | 2,214,000 | 4,536,000 | 6,930,000 | 9,326,000 |
| Net interest income | 1,685,000 | 3,399,000 | 4,749,000 | 7,109,000 |
| Noninterest income | 157,000 | 289,000 | 432,000 | 576,000 |
| Noninterest expense | 648,000 | 1,298,000 | 1,995,000 | 2,789,000 |
| Provision for loan losses | 7,000 | 15,000 | 38,000 | 42,000 |
| Pretax income | 1,187,000 | 2,481,000 | 3,254,000 | 4,960,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,187,000 | 2,481,000 | 3,254,000 | 4,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,633,000 | 34,408,000 | 34,266,000 | 35,972,000 |
| Total capital | 36,050,000 | 35,993,000 | 35,686,000 | 37,127,000 |
| Risk-weighted assets | 146,959,000 | 144,302,000 | 148,697,000 | 146,600,000 |
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