Call reports 2012
GORHAM SAVINGS BANK — 2012
What GORHAM SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 941,569,000 | 924,393,000 | 890,366,000 | 894,609,000 |
| Total loans | 623,596,000 | 617,910,000 | 622,781,000 | 645,671,000 |
| Allowance for loan losses | 6,558,000 | 6,897,000 | 7,028,000 | 7,171,000 |
| Securities available for sale | 238,346,000 | 198,407,000 | 183,268,000 | 166,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 669,027,000 | 658,394,000 | 615,282,000 | 618,285,000 |
| Interest-bearing deposits | 559,859,000 | 549,708,000 | 494,314,000 | 500,206,000 |
| Noninterest-bearing deposits | 109,168,000 | 108,686,000 | 120,968,000 | 118,079,000 |
| Equity capital | 78,640,000 | 80,799,000 | 82,188,000 | 81,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,323,000 | 16,469,000 | 24,136,000 | 31,658,000 |
| Interest expense | 2,471,000 | 4,929,000 | 7,309,000 | 9,606,000 |
| Net interest income | 5,852,000 | 11,540,000 | 16,827,000 | 22,052,000 |
| Noninterest income | 2,410,000 | 4,070,000 | 5,980,000 | 7,810,000 |
| Noninterest expense | 7,566,000 | 13,641,000 | 19,924,000 | 26,152,000 |
| Provision for loan losses | 301,000 | 594,000 | 1,022,000 | 1,550,000 |
| Pretax income | 396,000 | 3,153,000 | 3,723,000 | 4,027,000 |
| Income tax | -113,000 | 383,000 | 485,000 | 538,000 |
| Net income | 509,000 | 2,770,000 | 3,238,000 | 3,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,533,000 | 78,794,000 | 79,259,000 | 79,510,000 |
| Total capital | 83,915,000 | 86,344,000 | 86,864,000 | 87,309,000 |
| Risk-weighted assets | 614,709,000 | 603,790,000 | 608,223,000 | 623,693,000 |
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