Call reports 2014
GORHAM SAVINGS BANK — 2014
What GORHAM SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 951,300,000 | 986,101,000 | 973,758,000 | 969,976,000 |
| Total loans | 683,308,000 | 710,145,000 | 715,666,000 | 732,340,000 |
| Allowance for loan losses | 6,280,000 | 6,403,000 | 6,398,000 | 6,299,000 |
| Securities available for sale | 184,779,000 | 188,199,000 | 181,654,000 | 161,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,462,000 | 2,769,000 | 2,606,000 | 3,086,000 |
| Total deposits | 693,255,000 | 688,833,000 | 718,115,000 | 743,469,000 |
| Interest-bearing deposits | 567,584,000 | 558,309,000 | 568,964,000 | 601,337,000 |
| Noninterest-bearing deposits | 125,671,000 | 130,524,000 | 149,151,000 | 142,132,000 |
| Equity capital | 83,529,000 | 86,581,000 | 87,105,000 | 89,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,872,000 | 16,006,000 | 24,255,000 | 32,406,000 |
| Interest expense | 1,863,000 | 3,571,000 | 5,224,000 | 6,685,000 |
| Net interest income | 6,009,000 | 12,435,000 | 19,031,000 | 25,721,000 |
| Noninterest income | 1,360,000 | 2,786,000 | 3,865,000 | 5,501,000 |
| Noninterest expense | 6,465,000 | 12,551,000 | 18,691,000 | 25,496,000 |
| Provision for loan losses | 210,000 | 428,000 | 519,000 | 613,000 |
| Pretax income | 727,000 | 2,277,000 | 3,722,000 | 5,127,000 |
| Income tax | -19,000 | 322,000 | 670,000 | 993,000 |
| Net income | 746,000 | 1,955,000 | 3,052,000 | 4,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,158,000 | 88,367,000 | 89,465,000 | 90,547,000 |
| Total capital | 94,345,000 | 95,610,000 | 96,762,000 | 97,800,000 |
| Risk-weighted assets | 668,046,000 | 692,221,000 | 695,115,000 | 725,696,000 |