Call reports 2015
GORHAM STATE BANK — 2015
What GORHAM STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 33,397,000 | 31,930,000 | 31,937,000 | 31,166,000 |
| Total loans | 15,956,000 | 16,960,000 | 17,704,000 | 17,028,000 |
| Allowance for loan losses | 163,000 | 168,000 | 178,000 | 183,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 451,000 | 726,000 | 726,000 | 728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,861,000 | 29,354,000 | 29,285,000 | 28,540,000 |
| Interest-bearing deposits | 23,176,000 | 22,748,000 | 22,458,000 | 21,917,000 |
| Noninterest-bearing deposits | 7,685,000 | 6,606,000 | 6,827,000 | 6,623,000 |
| Equity capital | 2,466,000 | 2,532,000 | 2,607,000 | 2,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 233,000 | 476,000 | 734,000 | 988,000 |
| Interest expense | 8,000 | 17,000 | 26,000 | 34,000 |
| Net interest income | 225,000 | 459,000 | 708,000 | 954,000 |
| Noninterest income | 23,000 | 45,000 | 71,000 | 94,000 |
| Noninterest expense | 153,000 | 315,000 | 483,000 | 749,000 |
| Provision for loan losses | 0 | 5,000 | 15,000 | 20,000 |
| Pretax income | 95,000 | 184,000 | 281,000 | 279,000 |
| Income tax | 22,000 | 45,000 | 67,000 | 92,000 |
| Net income | 73,000 | 139,000 | 214,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,466,000 | 2,532,000 | 2,607,000 | 2,580,000 |
| Total capital | 2,629,000 | 2,700,000 | 2,785,000 | 2,763,000 |
| Risk-weighted assets | 16,124,000 | 16,272,000 | 17,094,000 | 16,295,000 |