Call reports 2016
GORHAM STATE BANK — 2016
What GORHAM STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 31,275,000 | 29,394,000 | 29,114,000 | 29,900,000 |
| Total loans | 16,253,000 | 16,601,000 | 17,891,000 | 17,329,000 |
| Allowance for loan losses | 183,000 | 183,000 | 183,000 | 188,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 728,000 | 704,000 | 704,000 | 704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,551,000 | 26,609,000 | 26,196,000 | 27,034,000 |
| Interest-bearing deposits | 21,569,000 | 20,390,000 | 19,464,000 | 19,715,000 |
| Noninterest-bearing deposits | 6,982,000 | 6,219,000 | 6,732,000 | 7,319,000 |
| Equity capital | 2,657,000 | 2,741,000 | 2,814,000 | 2,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 490,000 | 742,000 | 995,000 |
| Interest expense | 8,000 | 15,000 | 23,000 | 30,000 |
| Net interest income | 234,000 | 475,000 | 719,000 | 965,000 |
| Noninterest income | 24,000 | 47,000 | 70,000 | 94,000 |
| Noninterest expense | 158,000 | 315,000 | 486,000 | 720,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 100,000 | 207,000 | 303,000 | 334,000 |
| Income tax | 23,000 | 46,000 | 69,000 | 102,000 |
| Net income | 77,000 | 161,000 | 234,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,657,000 | 2,741,000 | 2,814,000 | 2,812,000 |
| Total capital | 2,840,000 | 2,924,000 | 2,997,000 | 3,000,000 |
| Risk-weighted assets | 15,764,000 | 16,224,000 | 17,037,000 | 16,959,000 |