Call reports 2016
GERMANTOWN TRUST & SAVINGS BANK — 2016
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 351,908,000 | 351,223,000 | 356,007,000 | 361,242,000 |
| Total loans | 179,922,000 | 184,339,000 | 186,766,000 | 191,260,000 |
| Allowance for loan losses | 1,166,000 | 1,221,000 | 1,230,000 | 1,304,000 |
| Securities available for sale | 160,434,000 | 154,398,000 | 156,734,000 | 158,114,000 |
| Securities held to maturity | 1,763,000 | 1,755,000 | 1,748,000 | 1,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,907,000 | 272,771,000 | 275,880,000 | 275,461,000 |
| Interest-bearing deposits | 240,904,000 | 242,782,000 | 245,568,000 | 242,321,000 |
| Noninterest-bearing deposits | 30,003,000 | 29,989,000 | 30,312,000 | 33,140,000 |
| Equity capital | 49,824,000 | 49,859,000 | 50,178,000 | 46,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,964,000 | 6,275,000 | 9,330,000 | 12,330,000 |
| Interest expense | 574,000 | 1,160,000 | 1,772,000 | 2,410,000 |
| Net interest income | 2,390,000 | 5,115,000 | 7,558,000 | 9,920,000 |
| Noninterest income | 181,000 | 383,000 | 577,000 | 790,000 |
| Noninterest expense | 972,000 | 1,929,000 | 2,899,000 | 3,905,000 |
| Provision for loan losses | 21,000 | 50,000 | 114,000 | 187,000 |
| Pretax income | 1,664,000 | 3,605,000 | 5,208,000 | 6,702,000 |
| Income tax | 22,000 | 45,000 | 67,000 | 90,000 |
| Net income | 1,642,000 | 3,560,000 | 5,141,000 | 6,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,700,000 | 46,192,000 | 46,425,000 | 47,895,000 |
| Total capital | 47,918,000 | 47,463,000 | 47,720,000 | 49,274,000 |
| Risk-weighted assets | 188,016,000 | 194,997,000 | 196,839,000 | 201,065,000 |