Call reports 2018
GERMANTOWN TRUST & SAVINGS BANK — 2018
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 374,697,000 | 373,027,000 | 371,073,000 | 376,370,000 |
| Total loans | 205,787,000 | 205,993,000 | 206,719,000 | 209,494,000 |
| Allowance for loan losses | 1,458,000 | 1,493,000 | 1,527,000 | 1,342,000 |
| Securities available for sale | 157,745,000 | 154,936,000 | 153,475,000 | 153,299,000 |
| Securities held to maturity | 1,076,000 | 1,073,000 | 1,070,000 | 766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,952,000 | 298,474,000 | 294,966,000 | 299,145,000 |
| Interest-bearing deposits | 260,613,000 | 259,570,000 | 258,173,000 | 261,188,000 |
| Noninterest-bearing deposits | 38,339,000 | 38,904,000 | 36,793,000 | 37,957,000 |
| Equity capital | 46,068,000 | 44,754,000 | 43,991,000 | 47,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,229,000 | 6,534,000 | 9,875,000 | 13,297,000 |
| Interest expense | 663,000 | 1,359,000 | 2,090,000 | 2,835,000 |
| Net interest income | 2,566,000 | 5,175,000 | 7,785,000 | 10,462,000 |
| Noninterest income | 215,000 | 448,000 | 658,000 | 894,000 |
| Noninterest expense | 1,032,000 | 2,070,000 | 3,086,000 | 4,177,000 |
| Provision for loan losses | 34,000 | 69,000 | 103,000 | 138,000 |
| Pretax income | 1,731,000 | 3,503,000 | 5,273,000 | 7,060,000 |
| Income tax | 23,000 | 45,000 | 68,000 | 90,000 |
| Net income | 1,708,000 | 3,458,000 | 5,205,000 | 6,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,129,000 | 48,470,000 | 48,802,000 | 50,567,000 |
| Total capital | 50,643,000 | 50,020,000 | 50,387,000 | 51,944,000 |
| Risk-weighted assets | 215,456,000 | 212,847,000 | 216,824,000 | 217,793,000 |