Call reports 2015
GORHAM SAVINGS BANK — 2015
What GORHAM SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 969,941,000 | 994,123,000 | 998,859,000 | 995,830,000 |
| Total loans | 736,969,000 | 756,637,000 | 758,746,000 | 770,243,000 |
| Allowance for loan losses | 6,432,000 | 6,745,000 | 6,716,000 | 6,884,000 |
| Securities available for sale | 159,186,000 | 159,209,000 | 155,496,000 | 149,822,000 |
| Securities held to maturity | 0 | 100,000 | 100,000 | 100,000 |
| Trading assets | 2,943,000 | 3,014,000 | 2,819,000 | 3,017,000 |
| Total deposits | 748,917,000 | 762,795,000 | 784,182,000 | 773,080,000 |
| Interest-bearing deposits | 609,487,000 | 611,496,000 | 613,434,000 | 607,857,000 |
| Noninterest-bearing deposits | 139,430,000 | 151,299,000 | 170,748,000 | 165,223,000 |
| Equity capital | 88,311,000 | 88,717,000 | 91,285,000 | 91,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,169,000 | 16,529,000 | 25,227,000 | 33,858,000 |
| Interest expense | 1,300,000 | 2,521,000 | 3,616,000 | 4,549,000 |
| Net interest income | 6,869,000 | 14,008,000 | 21,611,000 | 29,309,000 |
| Noninterest income | 1,186,000 | 2,596,000 | 3,817,000 | 5,284,000 |
| Noninterest expense | 6,544,000 | 13,076,000 | 19,754,000 | 26,598,000 |
| Provision for loan losses | 391,000 | 728,000 | 706,000 | 894,000 |
| Pretax income | 1,120,000 | 3,050,000 | 5,218,000 | 7,403,000 |
| Income tax | 153,000 | 568,000 | 1,137,000 | 1,755,000 |
| Net income | 967,000 | 2,482,000 | 4,081,000 | 5,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,427,000 | 92,943,000 | 94,541,000 | 96,107,000 |
| Total capital | 98,772,000 | 100,564,000 | 102,306,000 | 104,001,000 |
| Risk-weighted assets | 760,261,000 | 778,650,000 | 790,167,000 | 799,840,000 |