Call reports 2014
GORHAM STATE BANK — 2014
What GORHAM STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 30,974,000 | 30,335,000 | 31,439,000 | 31,866,000 |
| Total loans | 14,963,000 | 15,590,000 | 15,588,000 | 16,123,000 |
| Allowance for loan losses | 138,000 | 153,000 | 163,000 | 163,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 452,000 | 452,000 | 451,000 | 451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,628,000 | 27,946,000 | 28,983,000 | 29,405,000 |
| Interest-bearing deposits | 22,037,000 | 21,831,000 | 22,761,000 | 22,904,000 |
| Noninterest-bearing deposits | 6,591,000 | 6,115,000 | 6,222,000 | 6,501,000 |
| Equity capital | 2,285,000 | 2,345,000 | 2,412,000 | 2,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 225,000 | 461,000 | 702,000 | 939,000 |
| Interest expense | 9,000 | 17,000 | 26,000 | 34,000 |
| Net interest income | 216,000 | 444,000 | 676,000 | 905,000 |
| Noninterest income | 25,000 | 49,000 | 73,000 | 95,000 |
| Noninterest expense | 163,000 | 323,000 | 486,000 | 716,000 |
| Provision for loan losses | 5,000 | 20,000 | 30,000 | 30,000 |
| Pretax income | 73,000 | 150,000 | 233,000 | 254,000 |
| Income tax | 16,000 | 33,000 | 49,000 | 89,000 |
| Net income | 57,000 | 117,000 | 184,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,285,000 | 2,345,000 | 2,412,000 | 2,393,000 |
| Total capital | 2,423,000 | 2,498,000 | 2,575,000 | 2,556,000 |
| Risk-weighted assets | 14,789,000 | 15,224,000 | 15,560,000 | 15,987,000 |