Call reports 2004
BANK OF GERMANTOWN — 2004
What BANK OF GERMANTOWN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 23,948,000 | 23,404,000 | 23,123,000 | 22,951,000 |
| Total loans | 15,549,000 | 15,759,000 | 16,147,000 | 15,909,000 |
| Allowance for loan losses | 485,000 | 404,000 | 420,000 | 419,000 |
| Securities available for sale | 5,260,000 | 5,022,000 | 5,025,000 | 4,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,768,000 | 21,254,000 | 20,793,000 | 20,572,000 |
| Interest-bearing deposits | 19,903,000 | 19,199,000 | 18,880,000 | 18,202,000 |
| Noninterest-bearing deposits | 1,865,000 | 2,055,000 | 1,913,000 | 2,370,000 |
| Equity capital | 2,089,000 | 2,049,000 | 2,173,000 | 2,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 686,000 | 1,040,000 | 1,391,000 |
| Interest expense | 94,000 | 182,000 | 267,000 | 349,000 |
| Net interest income | 246,000 | 504,000 | 773,000 | 1,042,000 |
| Noninterest income | 38,000 | 94,000 | 137,000 | 182,000 |
| Noninterest expense | 233,000 | 433,000 | 643,000 | 863,000 |
| Provision for loan losses | 45,000 | 80,000 | 95,000 | 100,000 |
| Pretax income | 6,000 | 85,000 | 172,000 | 261,000 |
| Income tax | -6,000 | 8,000 | 35,000 | 65,000 |
| Net income | 12,000 | 77,000 | 137,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,905,000 | 2,010,000 | 2,107,000 | 2,155,000 |
| Total capital | 2,106,000 | 2,209,000 | 2,306,000 | 2,352,000 |
| Risk-weighted assets | 15,800,000 | 15,744,000 | 15,707,000 | 15,543,000 |
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