Call reports 2010
GERMANTOWN TRUST & SAVINGS BANK — 2010
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 314,691,000 | 316,506,000 | 317,015,000 | 313,769,000 |
| Total loans | 125,958,000 | 126,886,000 | 128,076,000 | 129,606,000 |
| Allowance for loan losses | 959,000 | 967,000 | 975,000 | 957,000 |
| Securities available for sale | 178,192,000 | 181,485,000 | 179,917,000 | 176,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,944,000 | 242,511,000 | 243,382,000 | 243,389,000 |
| Interest-bearing deposits | 224,729,000 | 223,496,000 | 223,055,000 | 223,016,000 |
| Noninterest-bearing deposits | 18,215,000 | 19,015,000 | 20,327,000 | 20,373,000 |
| Equity capital | 43,507,000 | 44,106,000 | 44,608,000 | 43,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,615,000 | 7,159,000 | 10,748,000 | 14,317,000 |
| Interest expense | 1,438,000 | 2,877,000 | 4,270,000 | 5,584,000 |
| Net interest income | 2,177,000 | 4,282,000 | 6,478,000 | 8,733,000 |
| Noninterest income | 162,000 | 314,000 | 562,000 | 808,000 |
| Noninterest expense | 863,000 | 1,719,000 | 2,588,000 | 3,502,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 1,469,000 | 2,862,000 | 4,478,000 | 6,070,000 |
| Income tax | 21,000 | 14,000 | 14,000 | 14,000 |
| Net income | 1,448,000 | 2,848,000 | 4,464,000 | 6,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,130,000 | 38,763,000 | 39,092,000 | 40,756,000 |
| Total capital | 40,209,000 | 39,826,000 | 40,178,000 | 41,812,000 |
| Risk-weighted assets | 155,539,000 | 154,813,000 | 155,927,000 | 157,739,000 |