Call reports 2003
BANK OF GERMANTOWN — 2003
What BANK OF GERMANTOWN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 24,935,000 | 24,087,000 | 23,470,000 | 23,698,000 |
| Total loans | 18,021,000 | 18,181,000 | 16,897,000 | 15,707,000 |
| Allowance for loan losses | 665,000 | 682,000 | 547,000 | 520,000 |
| Securities available for sale | 3,394,000 | 1,864,000 | 3,753,000 | 4,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,734,000 | 21,865,000 | 21,294,000 | 21,553,000 |
| Interest-bearing deposits | 20,907,000 | 20,211,000 | 19,948,000 | 19,747,000 |
| Noninterest-bearing deposits | 1,827,000 | 1,654,000 | 1,346,000 | 1,806,000 |
| Equity capital | 2,099,000 | 2,116,000 | 2,069,000 | 2,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 418,000 | 813,000 | 1,171,000 | 1,525,000 |
| Interest expense | 158,000 | 292,000 | 408,000 | 508,000 |
| Net interest income | 260,000 | 521,000 | 763,000 | 1,017,000 |
| Noninterest income | 46,000 | 80,000 | 122,000 | 166,000 |
| Noninterest expense | 223,000 | 440,000 | 652,000 | 931,000 |
| Provision for loan losses | 87,000 | 162,000 | 282,000 | 327,000 |
| Pretax income | -4,000 | 14,000 | -34,000 | -60,000 |
| Income tax | -14,000 | -18,000 | -44,000 | -61,000 |
| Net income | 10,000 | 32,000 | 10,000 | 1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,031,000 | 2,052,000 | 1,896,000 | 1,879,000 |
| Total capital | 2,255,000 | 2,272,000 | 2,103,000 | 2,076,000 |
| Risk-weighted assets | 17,480,000 | 17,106,000 | 16,060,000 | 15,410,000 |