Call reports 2011
GERMANTOWN TRUST & SAVINGS BANK — 2011
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 321,382,000 | 325,951,000 | 327,919,000 | 327,092,000 |
| Total loans | 126,959,000 | 128,901,000 | 131,122,000 | 138,967,000 |
| Allowance for loan losses | 965,000 | 973,000 | 980,000 | 988,000 |
| Securities available for sale | 181,754,000 | 186,793,000 | 188,021,000 | 179,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,678,000 | 255,691,000 | 252,862,000 | 253,228,000 |
| Interest-bearing deposits | 230,807,000 | 233,996,000 | 232,594,000 | 229,716,000 |
| Noninterest-bearing deposits | 20,871,000 | 21,695,000 | 20,268,000 | 23,512,000 |
| Equity capital | 43,440,000 | 45,549,000 | 46,432,000 | 46,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,161,000 | 6,358,000 | 9,623,000 | 12,755,000 |
| Interest expense | 1,267,000 | 2,532,000 | 3,691,000 | 4,763,000 |
| Net interest income | 1,894,000 | 3,826,000 | 5,932,000 | 7,992,000 |
| Noninterest income | 209,000 | 355,000 | 575,000 | 760,000 |
| Noninterest expense | 878,000 | 1,723,000 | 2,564,000 | 3,375,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 1,240,000 | 2,637,000 | 4,135,000 | 5,691,000 |
| Income tax | 10,000 | 29,000 | 44,000 | 59,000 |
| Net income | 1,230,000 | 2,608,000 | 4,091,000 | 5,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,304,000 | 40,015,000 | 40,405,000 | 41,946,000 |
| Total capital | 41,392,000 | 41,125,000 | 41,484,000 | 43,039,000 |
| Risk-weighted assets | 154,728,000 | 156,789,000 | 161,080,000 | 166,965,000 |