Call reports 2012
GERMANTOWN TRUST & SAVINGS BANK — 2012
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 332,227,000 | 345,436,000 | 341,906,000 | 340,745,000 |
| Total loans | 139,417,000 | 144,296,000 | 145,634,000 | 149,941,000 |
| Allowance for loan losses | 974,000 | 984,000 | 993,000 | 1,023,000 |
| Securities available for sale | 182,072,000 | 189,404,000 | 184,826,000 | 181,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,545,000 | 271,016,000 | 266,636,000 | 269,782,000 |
| Interest-bearing deposits | 239,149,000 | 247,218,000 | 243,398,000 | 244,169,000 |
| Noninterest-bearing deposits | 22,396,000 | 23,798,000 | 23,238,000 | 25,613,000 |
| Equity capital | 45,365,000 | 46,250,000 | 46,623,000 | 47,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,092,000 | 5,992,000 | 8,922,000 | 11,667,000 |
| Interest expense | 1,017,000 | 1,984,000 | 2,865,000 | 3,665,000 |
| Net interest income | 2,075,000 | 4,008,000 | 6,057,000 | 8,002,000 |
| Noninterest income | 210,000 | 477,000 | 720,000 | 1,017,000 |
| Noninterest expense | 815,000 | 1,643,000 | 2,472,000 | 3,360,000 |
| Provision for loan losses | 8,000 | 17,000 | 25,000 | 75,000 |
| Pretax income | 1,462,000 | 2,825,000 | 4,280,000 | 5,783,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 84,000 |
| Net income | 1,441,000 | 2,783,000 | 4,217,000 | 5,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,678,000 | 41,303,000 | 41,730,000 | 43,211,000 |
| Total capital | 41,778,000 | 42,390,000 | 42,850,000 | 44,369,000 |
| Risk-weighted assets | 167,893,000 | 173,057,000 | 170,074,000 | 168,777,000 |