Call reports 2021
GERMANTOWN TRUST & SAVINGS BANK — 2021
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 452,103,000 | 454,581,000 | 454,585,000 | 461,859,000 |
| Total loans | 218,494,000 | 215,518,000 | 215,856,000 | 226,610,000 |
| Allowance for loan losses | 1,993,000 | 2,164,000 | 2,183,000 | 2,213,000 |
| Securities available for sale | 205,980,000 | 213,559,000 | 225,303,000 | 225,375,000 |
| Securities held to maturity | 336,000 | 1,350,000 | 334,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,556,000 | 365,296,000 | 364,650,000 | 371,014,000 |
| Interest-bearing deposits | 305,005,000 | 304,934,000 | 306,596,000 | 308,630,000 |
| Noninterest-bearing deposits | 59,551,000 | 60,362,000 | 58,054,000 | 62,384,000 |
| Equity capital | 57,098,000 | 57,699,000 | 58,266,000 | 57,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,354,000 | 6,961,000 | 10,393,000 | 13,874,000 |
| Interest expense | 681,000 | 1,296,000 | 1,882,000 | 2,429,000 |
| Net interest income | 2,673,000 | 5,665,000 | 8,511,000 | 11,445,000 |
| Noninterest income | 413,000 | 715,000 | 979,000 | 1,253,000 |
| Noninterest expense | 1,086,000 | 2,249,000 | 3,382,000 | 4,594,000 |
| Provision for loan losses | 30,000 | 242,000 | 272,000 | 302,000 |
| Pretax income | 2,019,000 | 3,989,000 | 5,943,000 | 7,929,000 |
| Income tax | 23,000 | 45,000 | 67,000 | 415,000 |
| Net income | 1,996,000 | 3,944,000 | 5,876,000 | 7,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,281,000 | 52,649,000 | 52,901,000 | 54,539,000 |