Call reports 2010
GORHAM SAVINGS BANK — 2010
What GORHAM SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 876,175,000 | 921,909,000 | 928,600,000 | 897,220,000 |
| Total loans | 625,429,000 | 640,562,000 | 639,283,000 | 630,447,000 |
| Allowance for loan losses | 6,916,000 | 7,491,000 | 7,417,000 | 7,722,000 |
| Securities available for sale | 174,582,000 | 187,853,000 | 184,777,000 | 178,113,000 |
| Securities held to maturity | 9,911,000 | 9,911,000 | 9,909,000 | 9,910,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,838,000 | 600,996,000 | 648,959,000 | 629,323,000 |
| Interest-bearing deposits | 488,049,000 | 519,963,000 | 562,797,000 | 542,567,000 |
| Noninterest-bearing deposits | 76,789,000 | 81,033,000 | 86,162,000 | 86,756,000 |
| Equity capital | 70,934,000 | 74,175,000 | 74,868,000 | 74,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 9,259,000 | 18,596,000 | 27,503,000 | 36,125,000 |
| Interest expense | 3,524,000 | 6,867,000 | 10,311,000 | 13,567,000 |
| Net interest income | 5,735,000 | 11,729,000 | 17,192,000 | 22,558,000 |
| Noninterest income | 1,930,000 | 3,552,000 | 5,266,000 | 7,208,000 |
| Noninterest expense | 6,103,000 | 11,835,000 | 18,231,000 | 24,548,000 |
| Provision for loan losses | 318,000 | 1,119,000 | 1,186,000 | 1,540,000 |
| Pretax income | 1,244,000 | 2,329,000 | 7,047,000 | 7,693,000 |
| Income tax | 446,000 | 641,000 | 1,817,000 | 1,971,000 |
| Net income | 798,000 | 1,688,000 | 5,230,000 | 5,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,859,000 | 69,759,000 | 73,223,000 | 73,724,000 |
| Total capital | 76,583,000 | 77,791,000 | 80,840,000 | 81,262,000 |
| Risk-weighted assets | 624,002,000 | 642,474,000 | 608,686,000 | 601,957,000 |
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