Call reports 2022
GORHAM STATE BANK — 2022
What GORHAM STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 42,307,000 | 41,608,000 | 44,253,000 | 43,857,000 |
| Total loans | 20,270,000 | 21,574,000 | 22,029,000 | 20,832,000 |
| Allowance for loan losses | 297,000 | 297,000 | 297,000 | 317,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,643,000 | 2,309,000 | 1,963,000 | 1,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,962,000 | 37,265,000 | 39,799,000 | 39,251,000 |
| Interest-bearing deposits | 24,518,000 | 24,327,000 | 25,703,000 | 25,117,000 |
| Noninterest-bearing deposits | 13,444,000 | 12,938,000 | 14,096,000 | 14,134,000 |
| Equity capital | 4,185,000 | 4,268,000 | 4,375,000 | 4,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 286,000 | 568,000 | 888,000 | 1,298,000 |
| Interest expense | 9,000 | 18,000 | 31,000 | 56,000 |
| Net interest income | 277,000 | 550,000 | 857,000 | 1,242,000 |
| Noninterest income | 27,000 | 54,000 | 83,000 | 110,000 |
| Noninterest expense | 185,000 | 373,000 | 573,000 | 826,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 233,000 | 370,000 | 530,000 |
| Income tax | 31,000 | 61,000 | 91,000 | 104,000 |
| Net income | 89,000 | 172,000 | 279,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,185,000 | 4,268,000 | 4,375,000 | 4,522,000 |
| Total capital | 4,457,000 | 4,550,000 | 4,668,000 | — |
| Risk-weighted assets | 21,740,000 | 22,547,000 | 23,499,000 | — |