Call reports 2025
GERMANTOWN TRUST & SAVINGS BANK — 2025
What GERMANTOWN TRUST & SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 500,103,000 | 499,534,000 | 501,936,000 | 510,030,000 |
| Total loans | 283,153,000 | 276,598,000 | 272,928,000 | 281,785,000 |
| Allowance for loan losses | 2,667,000 | 2,698,000 | 2,727,000 | 2,757,000 |
| Securities available for sale | 189,395,000 | 195,506,000 | 199,657,000 | 199,641,000 |
| Securities held to maturity | 2,400,000 | 2,400,000 | 2,400,000 | 1,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,088,000 | 415,176,000 | 413,050,000 | 417,725,000 |
| Interest-bearing deposits | 342,364,000 | 344,914,000 | 342,498,000 | 347,049,000 |
| Noninterest-bearing deposits | 67,724,000 | 70,262,000 | 70,552,000 | 70,676,000 |
| Equity capital | 39,640,000 | 38,859,000 | 43,365,000 | 47,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,796,000 | 11,859,000 | 18,022,000 | 24,239,000 |
| Interest expense | 2,368,000 | 4,760,000 | 7,124,000 | 9,402,000 |
| Net interest income | 3,428,000 | 7,099,000 | 10,898,000 | 14,837,000 |
| Noninterest income | 244,000 | 494,000 | 754,000 | 1,048,000 |
| Noninterest expense | 1,439,000 | 2,884,000 | 4,320,000 | 5,909,000 |
| Provision for loan losses | 30,000 | 61,000 | 91,000 | 121,000 |
| Pretax income | 2,203,000 | 4,648,000 | 7,241,000 | 9,270,000 |
| Income tax | 22,000 | 43,000 | 63,000 | 84,000 |
| Net income | 2,181,000 | 4,605,000 | 7,178,000 | 9,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,019,000 | 59,556,000 | 60,256,000 | 62,264,000 |