Call reports 2017
GERMANTOWN TRUST & SAVINGS BANK — 2017
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 362,375,000 | 369,522,000 | 369,332,000 | 371,377,000 |
| Total loans | 190,211,000 | 198,021,000 | 200,830,000 | 206,418,000 |
| Allowance for loan losses | 1,334,000 | 1,364,000 | 1,394,000 | 1,424,000 |
| Securities available for sale | 160,331,000 | 160,562,000 | 157,371,000 | 154,413,000 |
| Securities held to maturity | 1,299,000 | 1,293,000 | 1,288,000 | 772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,370,000 | 287,035,000 | 289,323,000 | 289,892,000 |
| Interest-bearing deposits | 250,363,000 | 254,263,000 | 257,007,000 | 253,799,000 |
| Noninterest-bearing deposits | 35,007,000 | 32,772,000 | 32,316,000 | 36,093,000 |
| Equity capital | 47,335,000 | 48,475,000 | 48,080,000 | 48,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,004,000 | 6,100,000 | 9,252,000 | 12,482,000 |
| Interest expense | 614,000 | 1,214,000 | 1,861,000 | 2,525,000 |
| Net interest income | 2,390,000 | 4,886,000 | 7,391,000 | 9,957,000 |
| Noninterest income | 213,000 | 442,000 | 669,000 | 900,000 |
| Noninterest expense | 1,012,000 | 2,115,000 | 3,120,000 | 4,108,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,619,000 | 3,211,000 | 4,917,000 | 6,704,000 |
| Income tax | 23,000 | 45,000 | 68,000 | 90,000 |
| Net income | 1,596,000 | 3,166,000 | 4,849,000 | 6,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,852,000 | 47,233,000 | 47,558,000 | 49,323,000 |
| Total capital | 49,254,000 | 48,674,000 | 49,021,000 | 50,805,000 |
| Risk-weighted assets | 200,178,000 | 206,273,000 | 210,386,000 | 214,448,000 |