Call reports 2008
GERMANTOWN TRUST & SAVINGS BANK — 2008
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 309,746,000 | 294,417,000 | 302,242,000 | 304,354,000 |
| Total loans | 125,543,000 | 124,730,000 | 125,320,000 | 130,041,000 |
| Allowance for loan losses | 933,000 | 941,000 | 939,000 | 938,000 |
| Securities available for sale | 165,272,000 | 161,080,000 | 167,212,000 | 160,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,705,000 | 231,316,000 | 235,700,000 | 231,676,000 |
| Interest-bearing deposits | 206,474,000 | 215,689,000 | 218,401,000 | 214,672,000 |
| Noninterest-bearing deposits | 35,231,000 | 15,627,000 | 17,299,000 | 17,004,000 |
| Equity capital | 39,366,000 | 35,623,000 | 36,835,000 | 40,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,353,000 | 8,624,000 | 12,767,000 | 17,021,000 |
| Interest expense | 2,375,000 | 4,443,000 | 6,425,000 | 8,416,000 |
| Net interest income | 1,978,000 | 4,181,000 | 6,342,000 | 8,605,000 |
| Noninterest income | 150,000 | 300,000 | 479,000 | 615,000 |
| Noninterest expense | 709,000 | 1,434,000 | 2,149,000 | 2,974,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 102,000 |
| Pretax income | 1,412,000 | 3,050,000 | 4,667,000 | 6,162,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,412,000 | 3,050,000 | 4,667,000 | 6,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,151,000 | 35,873,000 | 36,222,000 | 37,717,000 |
| Total capital | 37,304,000 | 36,990,000 | 37,337,000 | 38,725,000 |
| Risk-weighted assets | 149,093,000 | 147,755,000 | 151,479,000 | 153,869,000 |