Call reports 2018
GORHAM STATE BANK — 2018
What GORHAM STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 30,350,000 | 28,775,000 | 28,125,000 | 29,912,000 |
| Total loans | 18,173,000 | 18,531,000 | 18,607,000 | 17,656,000 |
| Allowance for loan losses | 177,000 | 192,000 | 202,000 | 207,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 678,000 | 653,000 | 653,000 | 653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,152,000 | 25,519,000 | 24,808,000 | 26,550,000 |
| Interest-bearing deposits | 19,351,000 | 18,208,000 | 17,678,000 | 18,524,000 |
| Noninterest-bearing deposits | 7,801,000 | 7,311,000 | 7,130,000 | 8,026,000 |
| Equity capital | 3,131,000 | 3,211,000 | 3,266,000 | 3,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 261,000 | 532,000 | 809,000 | 1,092,000 |
| Interest expense | 9,000 | 20,000 | 34,000 | 49,000 |
| Net interest income | 252,000 | 512,000 | 775,000 | 1,043,000 |
| Noninterest income | 27,000 | 53,000 | 79,000 | 104,000 |
| Noninterest expense | 163,000 | 325,000 | 525,000 | 768,000 |
| Provision for loan losses | 5,000 | 20,000 | 30,000 | 35,000 |
| Pretax income | 111,000 | 220,000 | 299,000 | 344,000 |
| Income tax | 21,000 | 50,000 | 74,000 | 71,000 |
| Net income | 90,000 | 170,000 | 225,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,131,000 | 3,211,000 | 3,266,000 | 3,314,000 |
| Total capital | 3,308,000 | 3,403,000 | 3,468,000 | 3,521,000 |
| Risk-weighted assets | 17,806,000 | 18,006,000 | 18,268,000 | 17,851,000 |