Call reports 2008
GORHAM STATE BANK — 2008
What GORHAM STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 18,560,000 | 18,646,000 | 18,743,000 | 20,312,000 |
| Total loans | 10,334,000 | 10,331,000 | 9,916,000 | 9,843,000 |
| Allowance for loan losses | 109,000 | 109,000 | 109,000 | 111,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,198,000 | 1,213,000 | 1,189,000 | 1,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,918,000 | 16,979,000 | 17,034,000 | 18,648,000 |
| Interest-bearing deposits | 12,713,000 | 12,678,000 | 12,944,000 | 13,461,000 |
| Noninterest-bearing deposits | 4,205,000 | 4,301,000 | 4,090,000 | 5,187,000 |
| Equity capital | 1,522,000 | 1,566,000 | 1,609,000 | 1,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 263,000 | 516,000 | 763,000 | 998,000 |
| Interest expense | 93,000 | 178,000 | 256,000 | 323,000 |
| Net interest income | 170,000 | 338,000 | 507,000 | 675,000 |
| Noninterest income | 21,000 | 40,000 | 57,000 | 74,000 |
| Noninterest expense | 138,000 | 274,000 | 411,000 | 613,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 53,000 | 104,000 | 153,000 | 131,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 40,000 |
| Net income | 47,000 | 91,000 | 134,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,522,000 | 1,566,000 | 1,609,000 | 1,566,000 |
| Total capital | 1,631,000 | 1,675,000 | 1,718,000 | 1,677,000 |
| Risk-weighted assets | 10,704,000 | 10,629,000 | 10,368,000 | 10,432,000 |
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