Call reports 2012
GORHAM STATE BANK — 2012
What GORHAM STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 26,228,000 | 26,586,000 | 26,775,000 | 27,802,000 |
| Total loans | 12,442,000 | 12,644,000 | 12,376,000 | 11,865,000 |
| Allowance for loan losses | 123,000 | 128,000 | 128,000 | 128,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 454,000 | 454,000 | 454,000 | 453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,171,000 | 24,482,000 | 24,611,000 | 25,663,000 |
| Interest-bearing deposits | 19,029,000 | 19,189,000 | 19,086,000 | 19,360,000 |
| Noninterest-bearing deposits | 5,142,000 | 5,293,000 | 5,525,000 | 6,303,000 |
| Equity capital | 2,002,000 | 2,060,000 | 2,119,000 | 2,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 218,000 | 442,000 | 662,000 | 875,000 |
| Interest expense | 18,000 | 33,000 | 47,000 | 60,000 |
| Net interest income | 200,000 | 409,000 | 615,000 | 815,000 |
| Noninterest income | 24,000 | 44,000 | 64,000 | 84,000 |
| Noninterest expense | 145,000 | 297,000 | 450,000 | 680,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 79,000 | 151,000 | 224,000 | 214,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 69,000 |
| Net income | 65,000 | 123,000 | 182,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,002,000 | 2,060,000 | 2,119,000 | 2,082,000 |
| Total capital | 2,125,000 | 2,188,000 | 2,247,000 | 2,210,000 |
| Risk-weighted assets | 13,724,000 | 14,198,000 | 14,014,000 | 13,757,000 |