Call reports 2014
GERMANTOWN TRUST & SAVINGS BANK — 2014
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 345,291,000 | 345,422,000 | 343,010,000 | 347,849,000 |
| Total loans | 154,846,000 | 157,356,000 | 160,368,000 | 164,613,000 |
| Allowance for loan losses | 1,116,000 | 1,132,000 | 1,105,000 | 1,123,000 |
| Securities available for sale | 179,177,000 | 178,263,000 | 171,859,000 | 172,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,163,000 | 274,320,000 | 270,713,000 | 267,992,000 |
| Interest-bearing deposits | 249,246,000 | 247,877,000 | 246,222,000 | 239,323,000 |
| Noninterest-bearing deposits | 27,917,000 | 26,443,000 | 24,491,000 | 28,669,000 |
| Equity capital | 42,523,000 | 44,232,000 | 44,651,000 | 47,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,746,000 | 5,587,000 | 8,451,000 | 11,357,000 |
| Interest expense | 601,000 | 1,202,000 | 1,793,000 | 2,375,000 |
| Net interest income | 2,145,000 | 4,385,000 | 6,658,000 | 8,982,000 |
| Noninterest income | 155,000 | 331,000 | 513,000 | 661,000 |
| Noninterest expense | 911,000 | 1,777,000 | 2,683,000 | 3,638,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 1,395,000 | 2,927,000 | 4,458,000 | 6,050,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 83,000 |
| Net income | 1,377,000 | 2,891,000 | 4,404,000 | 5,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,145,000 | 43,743,000 | 44,036,000 | 45,599,000 |
| Total capital | 45,370,000 | 44,989,000 | 45,257,000 | 46,824,000 |
| Risk-weighted assets | 175,787,000 | 177,033,000 | 178,458,000 | 182,552,000 |