Call reports 2013
GORHAM STATE BANK — 2013
What GORHAM STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 28,157,000 | 27,868,000 | 29,141,000 | 30,434,000 |
| Total loans | 12,570,000 | 12,905,000 | 12,623,000 | 14,873,000 |
| Allowance for loan losses | 128,000 | 128,000 | 128,000 | 133,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 453,000 | 453,000 | 452,000 | 452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,958,000 | 25,634,000 | 26,856,000 | 28,094,000 |
| Interest-bearing deposits | 20,154,000 | 19,869,000 | 20,928,000 | 21,690,000 |
| Noninterest-bearing deposits | 5,804,000 | 5,765,000 | 5,928,000 | 6,404,000 |
| Equity capital | 2,135,000 | 2,189,000 | 2,240,000 | 2,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 206,000 | 420,000 | 636,000 | 847,000 |
| Interest expense | 11,000 | 21,000 | 31,000 | 40,000 |
| Net interest income | 195,000 | 399,000 | 605,000 | 807,000 |
| Noninterest income | 24,000 | 47,000 | 71,000 | 93,000 |
| Noninterest expense | 150,000 | 307,000 | 469,000 | 684,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 69,000 | 139,000 | 207,000 | 211,000 |
| Income tax | 16,000 | 32,000 | 49,000 | 65,000 |
| Net income | 53,000 | 107,000 | 158,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,135,000 | 2,189,000 | 2,240,000 | 2,228,000 |
| Total capital | 2,263,000 | 2,317,000 | 2,368,000 | 2,361,000 |
| Risk-weighted assets | 12,518,000 | 12,734,000 | 12,539,000 | 14,493,000 |