Call reports 2009
GERMANTOWN TRUST & SAVINGS BANK — 2009
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 311,213,000 | 307,407,000 | 302,825,000 | 306,308,000 |
| Total loans | 125,859,000 | 127,097,000 | 127,465,000 | 126,197,000 |
| Allowance for loan losses | 945,000 | 953,000 | 961,000 | 951,000 |
| Securities available for sale | 178,097,000 | 174,697,000 | 167,305,000 | 171,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,974,000 | 234,864,000 | 232,530,000 | 233,516,000 |
| Interest-bearing deposits | 220,035,000 | 216,161,000 | 213,124,000 | 215,233,000 |
| Noninterest-bearing deposits | 18,939,000 | 18,703,000 | 19,406,000 | 18,283,000 |
| Equity capital | 41,052,000 | 40,442,000 | 41,808,000 | 41,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,116,000 | 8,090,000 | 11,920,000 | 15,599,000 |
| Interest expense | 1,753,000 | 3,406,000 | 4,948,000 | 6,405,000 |
| Net interest income | 2,363,000 | 4,684,000 | 6,972,000 | 9,194,000 |
| Noninterest income | 235,000 | 439,000 | 617,000 | 777,000 |
| Noninterest expense | 722,000 | 1,564,000 | 2,414,000 | 3,348,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 1,944,000 | 3,619,000 | 5,227,000 | 6,668,000 |
| Income tax | 14,000 | 35,000 | 56,000 | 77,000 |
| Net income | 1,930,000 | 3,584,000 | 5,171,000 | 6,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,110,000 | 37,365,000 | 37,715,000 | 39,135,000 |
| Total capital | 39,100,000 | 38,388,000 | 38,752,000 | 40,193,000 |
| Risk-weighted assets | 155,254,000 | 156,592,000 | 155,629,000 | 154,543,000 |