Call reports 2020
GERMANTOWN TRUST & SAVINGS BANK — 2020
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 402,426,000 | 429,054,000 | 435,847,000 | 440,809,000 |
| Total loans | 220,067,000 | 224,003,000 | 221,752,000 | 220,290,000 |
| Allowance for loan losses | 1,015,000 | 1,465,000 | 1,744,000 | 1,894,000 |
| Securities available for sale | 171,526,000 | 181,467,000 | 196,592,000 | 191,902,000 |
| Securities held to maturity | 552,000 | 550,000 | 549,000 | 337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,751,000 | 339,857,000 | 345,560,000 | 349,364,000 |
| Interest-bearing deposits | 273,210,000 | 286,618,000 | 293,199,000 | 294,975,000 |
| Noninterest-bearing deposits | 44,541,000 | 53,239,000 | 52,361,000 | 54,389,000 |
| Equity capital | 54,412,000 | 58,471,000 | 59,497,000 | 60,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,809,000 | 7,893,000 | 11,457,000 | 14,868,000 |
| Interest expense | 889,000 | 1,764,000 | 2,601,000 | 3,395,000 |
| Net interest income | 2,920,000 | 6,129,000 | 8,856,000 | 11,473,000 |
| Noninterest income | 254,000 | 559,000 | 944,000 | 1,315,000 |
| Noninterest expense | 1,073,000 | 2,133,000 | 3,177,000 | 4,341,000 |
| Provision for loan losses | 150,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 1,973,000 | 3,971,000 | 5,899,000 | 7,629,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 84,000 |
| Net income | 1,952,000 | 3,929,000 | 5,836,000 | 7,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,925,000 | 51,188,000 | 51,484,000 | 53,193,000 |