Call reports 2007
GORHAM STATE BANK — 2007
What GORHAM STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 17,079,000 | 17,829,000 | 18,089,000 | 18,096,000 |
| Total loans | 8,975,000 | 9,449,000 | 9,609,000 | 10,097,000 |
| Allowance for loan losses | 108,000 | 108,000 | 108,000 | 109,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,091,000 | 1,090,000 | 1,092,000 | 1,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,558,000 | 16,267,000 | 16,478,000 | 16,515,000 |
| Interest-bearing deposits | 12,449,000 | 12,559,000 | 12,581,000 | 12,347,000 |
| Noninterest-bearing deposits | 3,109,000 | 3,708,000 | 3,897,000 | 4,168,000 |
| Equity capital | 1,408,000 | 1,446,000 | 1,490,000 | 1,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 239,000 | 493,000 | 762,000 | 1,037,000 |
| Interest expense | 90,000 | 184,000 | 285,000 | 382,000 |
| Net interest income | 149,000 | 309,000 | 477,000 | 655,000 |
| Noninterest income | 21,000 | 38,000 | 58,000 | 75,000 |
| Noninterest expense | 134,000 | 267,000 | 404,000 | 610,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 36,000 | 80,000 | 131,000 | 120,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 24,000 |
| Net income | 29,000 | 67,000 | 111,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,408,000 | 1,446,000 | 1,490,000 | 1,475,000 |
| Total capital | 1,516,000 | 1,554,000 | 1,598,000 | 1,584,000 |
| Risk-weighted assets | 9,437,000 | 9,910,000 | 10,029,000 | 10,425,000 |
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