Call reports 2019
GERMANTOWN TRUST & SAVINGS BANK — 2019
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 384,077,000 | 387,635,000 | 394,113,000 | 394,171,000 |
| Total loans | 210,826,000 | 211,669,000 | 215,436,000 | 217,617,000 |
| Allowance for loan losses | 1,383,000 | 1,423,000 | 1,381,000 | 921,000 |
| Securities available for sale | 160,392,000 | 163,081,000 | 166,102,000 | 165,066,000 |
| Securities held to maturity | 764,000 | 761,000 | 759,000 | 553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,455,000 | 305,617,000 | 309,344,000 | 310,367,000 |
| Interest-bearing deposits | 266,027,000 | 266,585,000 | 267,979,000 | 268,452,000 |
| Noninterest-bearing deposits | 38,428,000 | 39,032,000 | 41,365,000 | 41,915,000 |
| Equity capital | 49,859,000 | 52,075,000 | 53,312,000 | 54,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,521,000 | 7,090,000 | 10,821,000 | 14,543,000 |
| Interest expense | 785,000 | 1,653,000 | 2,546,000 | 3,440,000 |
| Net interest income | 2,736,000 | 5,437,000 | 8,275,000 | 11,103,000 |
| Noninterest income | 195,000 | 414,000 | 637,000 | 903,000 |
| Noninterest expense | 1,038,000 | 2,110,000 | 3,148,000 | 4,238,000 |
| Provision for loan losses | 41,000 | 87,000 | 206,000 | 746,000 |
| Pretax income | 1,852,000 | 3,738,000 | 5,642,000 | 7,234,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 77,000 |
| Net income | 1,831,000 | 3,696,000 | 5,579,000 | 7,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,475,000 | 49,711,000 | 50,083,000 | 51,661,000 |
| Total capital | 51,907,000 | 51,191,000 | 51,520,000 | 52,582,000 |
| Risk-weighted assets | 218,332,000 | 218,666,000 | 225,161,000 | 227,237,000 |