Call reports 2005
GORHAM STATE BANK — 2005
What GORHAM STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 15,688,000 | 15,851,000 | 15,979,000 | 16,583,000 |
| Total loans | 8,464,000 | 8,881,000 | 8,342,000 | 8,839,000 |
| Allowance for loan losses | 103,000 | 105,000 | 106,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 901,000 | 898,000 | 1,097,000 | 1,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,404,000 | 14,526,000 | 14,603,000 | 15,197,000 |
| Interest-bearing deposits | 11,707,000 | 11,868,000 | 11,522,000 | 11,762,000 |
| Noninterest-bearing deposits | 2,697,000 | 2,658,000 | 3,081,000 | 3,434,000 |
| Equity capital | 1,221,000 | 1,259,000 | 1,298,000 | 1,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 174,000 | 361,000 | 553,000 | 760,000 |
| Interest expense | 35,000 | 78,000 | 128,000 | 183,000 |
| Net interest income | 139,000 | 283,000 | 425,000 | 577,000 |
| Noninterest income | 21,000 | 42,000 | 62,000 | 85,000 |
| Noninterest expense | 129,000 | 249,000 | 368,000 | 528,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 31,000 | 76,000 | 119,000 | 134,000 |
| Income tax | 0 | 7,000 | 11,000 | 35,000 |
| Net income | 31,000 | 69,000 | 108,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,221,000 | 1,259,000 | 1,298,000 | 1,289,000 |
| Total capital | 1,316,000 | 1,364,000 | 1,404,000 | 1,396,000 |
| Risk-weighted assets | 7,619,000 | 9,277,000 | 9,113,000 | 9,207,000 |
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