Call reports 2013
GERMANTOWN TRUST & SAVINGS BANK — 2013
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 346,551,000 | 342,196,000 | 334,784,000 | 337,070,000 |
| Total loans | 154,737,000 | 150,920,000 | 155,253,000 | 155,295,000 |
| Allowance for loan losses | 1,042,000 | 1,061,000 | 1,079,000 | 1,098,000 |
| Securities available for sale | 182,233,000 | 181,719,000 | 169,014,000 | 171,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,785,000 | 267,123,000 | 267,680,000 | 264,091,000 |
| Interest-bearing deposits | 249,353,000 | 242,367,000 | 243,144,000 | 238,818,000 |
| Noninterest-bearing deposits | 25,432,000 | 24,756,000 | 24,536,000 | 25,273,000 |
| Equity capital | 46,462,000 | 42,327,000 | 41,029,000 | 41,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,574,000 | 4,952,000 | 7,465,000 | 10,172,000 |
| Interest expense | 708,000 | 1,365,000 | 2,009,000 | 2,632,000 |
| Net interest income | 1,866,000 | 3,587,000 | 5,456,000 | 7,540,000 |
| Noninterest income | 236,000 | 556,000 | 718,000 | 910,000 |
| Noninterest expense | 900,000 | 1,790,000 | 2,633,000 | 3,471,000 |
| Provision for loan losses | 19,000 | 37,000 | 56,000 | 74,000 |
| Pretax income | 1,183,000 | 2,316,000 | 3,623,000 | 5,163,000 |
| Income tax | 21,000 | 39,000 | 57,000 | 75,000 |
| Net income | 1,162,000 | 2,277,000 | 3,566,000 | 5,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,776,000 | 42,426,000 | 42,708,000 | 44,230,000 |
| Total capital | 43,945,000 | 43,632,000 | 43,948,000 | 45,442,000 |
| Risk-weighted assets | 174,646,000 | 171,683,000 | 172,984,000 | 173,854,000 |