Call reports 2019
GORHAM STATE BANK — 2019
What GORHAM STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 29,941,000 | 29,325,000 | 28,170,000 | 28,900,000 |
| Total loans | 18,272,000 | 18,897,000 | 19,053,000 | 17,619,000 |
| Allowance for loan losses | 222,000 | 237,000 | 252,000 | 266,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 653,000 | 627,000 | 626,000 | 626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,490,000 | 25,793,000 | 24,580,000 | 25,287,000 |
| Interest-bearing deposits | 18,794,000 | 18,144,000 | 17,057,000 | 17,893,000 |
| Noninterest-bearing deposits | 7,696,000 | 7,649,000 | 7,523,000 | 7,394,000 |
| Equity capital | 3,396,000 | 3,481,000 | 3,536,000 | 3,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 277,000 | 552,000 | 806,000 | 1,094,000 |
| Interest expense | 17,000 | 35,000 | 54,000 | 74,000 |
| Net interest income | 260,000 | 517,000 | 752,000 | 1,020,000 |
| Noninterest income | 26,000 | 51,000 | 77,000 | 103,000 |
| Noninterest expense | 171,000 | 335,000 | 508,000 | 745,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 100,000 | 203,000 | 276,000 | 318,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 106,000 |
| Net income | 82,000 | 167,000 | 222,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,396,000 | 3,481,000 | 3,536,000 | 3,526,000 |
| Total capital | 3,618,000 | 3,718,000 | 3,778,000 | 3,752,000 |
| Risk-weighted assets | 18,464,000 | 19,139,000 | 19,354,000 | 18,056,000 |