Call reports 2022
GERMANTOWN TRUST & SAVINGS BANK — 2022
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 463,451,000 | 457,586,000 | 453,871,000 | 460,594,000 |
| Total loans | 229,081,000 | 235,217,000 | 241,509,000 | 250,982,000 |
| Allowance for loan losses | 2,220,000 | 2,230,000 | 2,238,000 | 2,245,000 |
| Securities available for sale | 214,632,000 | 208,387,000 | 198,826,000 | 192,884,000 |
| Securities held to maturity | 914,000 | 914,000 | 1,914,000 | 3,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,374,000 | 392,254,000 | 392,332,000 | 381,095,000 |
| Interest-bearing deposits | 323,969,000 | 329,284,000 | 322,007,000 | 314,668,000 |
| Noninterest-bearing deposits | 62,405,000 | 62,970,000 | 70,325,000 | 66,427,000 |
| Equity capital | 45,614,000 | 33,868,000 | 27,538,000 | 30,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,345,000 | 6,814,000 | 10,417,000 | 14,144,000 |
| Interest expense | 518,000 | 1,003,000 | 1,509,000 | 2,228,000 |
| Net interest income | 2,827,000 | 5,811,000 | 8,908,000 | 11,916,000 |
| Noninterest income | 270,000 | 508,000 | 749,000 | 994,000 |
| Noninterest expense | 1,181,000 | 2,396,000 | 3,606,000 | 4,862,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 1,862,000 | 3,828,000 | 5,961,000 | 7,220,000 |
| Income tax | 117,000 | 267,000 | 378,000 | 489,000 |
| Net income | 1,745,000 | 3,561,000 | 5,583,000 | 6,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,553,000 | 53,971,000 | 54,330,000 | 55,479,000 |