Call reports 2003
GORHAM STATE BANK — 2003
What GORHAM STATE BANK 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 | 13,296,000 | 12,935,000 | 13,583,000 | 13,633,000 |
| Total loans | 6,038,000 | 6,925,000 | 7,639,000 | 7,364,000 |
| Allowance for loan losses | 94,000 | 104,000 | 104,000 | 96,000 |
| Securities available for sale | 425,000 | 423,000 | 416,000 | 411,000 |
| Securities held to maturity | 659,000 | 659,000 | 666,000 | 673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,112,000 | 11,569,000 | 12,204,000 | 12,444,000 |
| Interest-bearing deposits | 9,973,000 | 9,533,000 | 10,042,000 | 10,277,000 |
| Noninterest-bearing deposits | 2,139,000 | 2,036,000 | 2,162,000 | 2,167,000 |
| Equity capital | 1,120,000 | 1,126,000 | 1,140,000 | 1,133,000 |
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 | 131,000 | 277,000 | 425,000 | 572,000 |
| Interest expense | 40,000 | 77,000 | 111,000 | 145,000 |
| Net interest income | 91,000 | 200,000 | 314,000 | 427,000 |
| Noninterest income | 20,000 | 41,000 | 66,000 | 88,000 |
| Noninterest expense | 122,000 | 237,000 | 360,000 | 498,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | -11,000 | -6,000 | 10,000 | 7,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | -11,000 | -6,000 | 10,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,115,000 | 1,121,000 | 1,136,000 | 1,129,000 |
| Total capital | 1,200,000 | 1,213,000 | 1,236,000 | 1,225,000 |
| Risk-weighted assets | 6,800,000 | 7,374,000 | 8,006,000 | 7,917,000 |
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