Call reports 2017
GORHAM STATE BANK — 2017
What GORHAM STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 30,144,000 | 29,286,000 | 29,269,000 | 29,418,000 |
| Total loans | 17,480,000 | 18,474,000 | 18,708,000 | 18,087,000 |
| Allowance for loan losses | 188,000 | 188,000 | 193,000 | 193,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 703,000 | 678,000 | 678,000 | 678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,174,000 | 26,270,000 | 26,172,000 | 26,333,000 |
| Interest-bearing deposits | 19,905,000 | 19,536,000 | 19,174,000 | 18,709,000 |
| Noninterest-bearing deposits | 7,269,000 | 6,734,000 | 6,998,000 | 7,624,000 |
| Equity capital | 2,892,000 | 2,972,000 | 3,052,000 | 3,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 249,000 | 505,000 | 766,000 | 1,030,000 |
| Interest expense | 7,000 | 14,000 | 22,000 | 31,000 |
| Net interest income | 242,000 | 491,000 | 744,000 | 999,000 |
| Noninterest income | 28,000 | 54,000 | 80,000 | 108,000 |
| Noninterest expense | 164,000 | 334,000 | 502,000 | 774,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 106,000 | 211,000 | 317,000 | 328,000 |
| Income tax | 26,000 | 51,000 | 77,000 | 99,000 |
| Net income | 80,000 | 160,000 | 240,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,892,000 | 2,972,000 | 3,052,000 | 3,041,000 |
| Total capital | 3,080,000 | 3,160,000 | 3,245,000 | 3,234,000 |
| Risk-weighted assets | 17,237,000 | 17,761,000 | 18,063,000 | 17,405,000 |