Call reports 2015
GERMANTOWN TRUST & SAVINGS BANK — 2015
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 345,670,000 | 341,256,000 | 347,387,000 | 346,125,000 |
| Total loans | 163,959,000 | 167,550,000 | 171,619,000 | 176,260,000 |
| Allowance for loan losses | 1,129,000 | 1,156,000 | 1,177,000 | 1,195,000 |
| Securities available for sale | 169,943,000 | 162,860,000 | 164,956,000 | 158,715,000 |
| Securities held to maturity | 0 | 0 | 870,000 | 866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,819,000 | 268,752,000 | 269,148,000 | 271,238,000 |
| Interest-bearing deposits | 243,265,000 | 240,559,000 | 241,263,000 | 238,603,000 |
| Noninterest-bearing deposits | 28,554,000 | 28,193,000 | 27,885,000 | 32,635,000 |
| Equity capital | 48,773,000 | 46,226,000 | 47,738,000 | 48,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,821,000 | 5,642,000 | 8,554,000 | 11,486,000 |
| Interest expense | 559,000 | 1,113,000 | 1,672,000 | 2,233,000 |
| Net interest income | 2,262,000 | 4,529,000 | 6,882,000 | 9,253,000 |
| Noninterest income | 186,000 | 381,000 | 529,000 | 674,000 |
| Noninterest expense | 926,000 | 1,865,000 | 2,788,000 | 3,780,000 |
| Provision for loan losses | 6,000 | 33,000 | 54,000 | 72,000 |
| Pretax income | 1,560,000 | 3,148,000 | 4,705,000 | 6,211,000 |
| Income tax | 15,000 | 38,000 | 60,000 | 83,000 |
| Net income | 1,545,000 | 3,110,000 | 4,645,000 | 6,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,502,000 | 44,981,000 | 45,200,000 | 46,683,000 |
| Total capital | 46,631,000 | 46,222,000 | 46,431,000 | 47,928,000 |
| Risk-weighted assets | 178,251,000 | 180,246,000 | 182,928,000 | 185,828,000 |