Call reports 2011
GORHAM STATE BANK — 2011
What GORHAM STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 23,326,000 | 23,648,000 | 24,494,000 | 25,532,000 |
| Total loans | 10,803,000 | 11,113,000 | 11,880,000 | 12,079,000 |
| Allowance for loan losses | 115,000 | 115,000 | 118,000 | 123,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 450,000 | 455,000 | 455,000 | 455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,415,000 | 21,710,000 | 22,509,000 | 23,551,000 |
| Interest-bearing deposits | 16,646,000 | 16,706,000 | 17,158,000 | 18,264,000 |
| Noninterest-bearing deposits | 4,769,000 | 5,004,000 | 5,351,000 | 5,287,000 |
| Equity capital | 1,844,000 | 1,891,000 | 1,936,000 | 1,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 207,000 | 418,000 | 635,000 | 851,000 |
| Interest expense | 21,000 | 41,000 | 61,000 | 79,000 |
| Net interest income | 186,000 | 377,000 | 574,000 | 772,000 |
| Noninterest income | 22,000 | 46,000 | 68,000 | 91,000 |
| Noninterest expense | 146,000 | 298,000 | 447,000 | 654,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 15,000 |
| Pretax income | 62,000 | 125,000 | 185,000 | 194,000 |
| Income tax | 15,000 | 31,000 | 46,000 | 54,000 |
| Net income | 47,000 | 94,000 | 139,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,844,000 | 1,891,000 | 1,936,000 | 1,937,000 |
| Total capital | 1,959,000 | 2,006,000 | 2,054,000 | 2,060,000 |
| Risk-weighted assets | 12,293,000 | 12,642,000 | 13,281,000 | 13,537,000 |