Call reports 2009
GORHAM SAVINGS BANK — 2009
What GORHAM SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 844,770,000 | 862,820,000 | 863,100,000 | 874,924,000 |
| Total loans | 594,583,000 | 608,589,000 | 616,001,000 | 620,090,000 |
| Allowance for loan losses | 5,318,000 | 5,891,000 | 6,511,000 | 6,774,000 |
| Securities available for sale | 162,359,000 | 181,764,000 | 171,117,000 | 177,142,000 |
| Securities held to maturity | 9,918,000 | 9,915,000 | 9,916,000 | 9,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,707,000 | 536,095,000 | 534,026,000 | 570,045,000 |
| Interest-bearing deposits | 476,003,000 | 471,330,000 | 459,570,000 | 488,038,000 |
| Noninterest-bearing deposits | 62,704,000 | 64,765,000 | 74,456,000 | 82,007,000 |
| Equity capital | 68,329,000 | 67,881,000 | 69,684,000 | 69,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,112,000 | 20,212,000 | 30,261,000 | 40,001,000 |
| Interest expense | 4,892,000 | 9,610,000 | 14,110,000 | 18,223,000 |
| Net interest income | 5,220,000 | 10,602,000 | 16,151,000 | 21,778,000 |
| Noninterest income | 1,840,000 | 3,641,000 | 5,625,000 | 7,226,000 |
| Noninterest expense | 6,320,000 | 12,174,000 | 18,399,000 | 24,205,000 |
| Provision for loan losses | 73,000 | 669,000 | 1,522,000 | 1,829,000 |
| Pretax income | 667,000 | 1,400,000 | 1,855,000 | 6,692,000 |
| Income tax | 68,000 | 170,000 | 232,000 | 1,272,000 |
| Net income | 599,000 | 1,230,000 | 1,623,000 | 5,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,193,000 | 63,835,000 | 64,239,000 | 68,049,000 |
| Total capital | 69,561,000 | 70,554,000 | 71,649,000 | 75,749,000 |
| Risk-weighted assets | 582,782,000 | 601,657,000 | 607,623,000 | 616,207,000 |
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