Call reports 2024
GERMANTOWN TRUST & SAVINGS BANK — 2024
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 475,064,000 | 472,566,000 | 486,031,000 | 479,210,000 |
| Total loans | 264,314,000 | 270,886,000 | 275,861,000 | 278,057,000 |
| Allowance for loan losses | 2,554,000 | 2,584,000 | 2,614,000 | 2,637,000 |
| Securities available for sale | 187,301,000 | 187,132,000 | 192,837,000 | 184,943,000 |
| Securities held to maturity | 4,200,000 | 3,200,000 | 3,200,000 | 3,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,107,000 | 384,434,000 | 389,279,000 | 392,399,000 |
| Interest-bearing deposits | 323,311,000 | 320,835,000 | 324,474,000 | 327,968,000 |
| Noninterest-bearing deposits | 62,796,000 | 63,599,000 | 64,805,000 | 64,431,000 |
| Equity capital | 32,509,000 | 33,173,000 | 40,361,000 | 36,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,898,000 | 10,039,000 | 15,389,000 | 21,007,000 |
| Interest expense | 2,044,000 | 4,158,000 | 6,466,000 | 8,866,000 |
| Net interest income | 2,854,000 | 5,881,000 | 8,923,000 | 12,141,000 |
| Noninterest income | 254,000 | 493,000 | 734,000 | 1,000,000 |
| Noninterest expense | 1,341,000 | 2,716,000 | 4,066,000 | 5,568,000 |
| Provision for loan losses | 32,000 | 62,000 | 92,000 | 123,000 |
| Pretax income | 1,735,000 | 3,596,000 | 5,499,000 | 7,450,000 |
| Income tax | 23,000 | 45,000 | 68,000 | 91,000 |
| Net income | 1,712,000 | 3,551,000 | 5,431,000 | 7,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,595,000 | 57,246,000 | 57,763,000 | 59,691,000 |