Call reports 2023
GERMANTOWN TRUST & SAVINGS BANK — 2023
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 464,582,000 | 472,813,000 | 466,251,000 | 475,656,000 |
| Total loans | 256,514,000 | 259,231,000 | 264,776,000 | 266,452,000 |
| Allowance for loan losses | 2,458,000 | 2,479,000 | 2,540,000 | 2,532,000 |
| Securities available for sale | 194,627,000 | 190,754,000 | 186,131,000 | 187,204,000 |
| Securities held to maturity | 3,218,000 | 4,217,000 | 4,217,000 | 5,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,355,000 | 387,676,000 | 383,613,000 | 380,135,000 |
| Interest-bearing deposits | 321,801,000 | 321,506,000 | 320,216,000 | 315,917,000 |
| Noninterest-bearing deposits | 66,554,000 | 66,170,000 | 63,397,000 | 64,218,000 |
| Equity capital | 33,325,000 | 29,244,000 | 24,033,000 | 34,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,900,000 | 8,161,000 | 12,794,000 | 17,649,000 |
| Interest expense | 1,079,000 | 2,530,000 | 4,157,000 | 6,042,000 |
| Net interest income | 2,821,000 | 5,631,000 | 8,637,000 | 11,607,000 |
| Noninterest income | 238,000 | 497,000 | 812,000 | 1,080,000 |
| Noninterest expense | 1,259,000 | 2,535,000 | 3,822,000 | 5,160,000 |
| Provision for loan losses | 40,000 | 62,000 | 128,000 | 120,000 |
| Pretax income | 1,768,000 | 3,539,000 | 5,507,000 | 7,415,000 |
| Income tax | 21,000 | 43,000 | 64,000 | 85,000 |
| Net income | 1,747,000 | 3,496,000 | 5,443,000 | 7,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,688,000 | 55,313,000 | 55,787,000 | 57,674,000 |