Call reports 2016
GORHAM SAVINGS BANK — 2016
What GORHAM SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,004,946,000 | 1,006,737,000 | 1,018,155,000 | 1,031,506,000 |
| Total loans | 781,761,000 | 783,644,000 | 791,080,000 | 810,574,000 |
| Allowance for loan losses | 7,304,000 | 7,216,000 | 7,065,000 | 7,267,000 |
| Securities available for sale | 147,129,000 | 143,974,000 | 140,122,000 | 140,911,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 5,765,000 |
| Trading assets | 2,901,000 | 3,261,000 | 3,352,000 | 3,414,000 |
| Total deposits | 807,726,000 | 793,061,000 | 812,482,000 | 808,555,000 |
| Interest-bearing deposits | 638,507,000 | 622,341,000 | 627,722,000 | 638,878,000 |
| Noninterest-bearing deposits | 169,219,000 | 170,720,000 | 184,760,000 | 169,677,000 |
| Equity capital | 94,847,000 | 97,459,000 | 99,060,000 | 98,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,803,000 | 17,809,000 | 26,948,000 | 35,909,000 |
| Interest expense | 933,000 | 1,830,000 | 2,712,000 | 3,583,000 |
| Net interest income | 7,870,000 | 15,979,000 | 24,236,000 | 32,326,000 |
| Noninterest income | 1,152,000 | 2,843,000 | 4,446,000 | 7,067,000 |
| Noninterest expense | 6,746,000 | 14,091,000 | 21,574,000 | 29,102,000 |
| Provision for loan losses | 445,000 | 373,000 | 415,000 | 647,000 |
| Pretax income | 1,831,000 | 4,398,000 | 6,733,000 | 9,737,000 |
| Income tax | 402,000 | 941,000 | 1,432,000 | 2,054,000 |
| Net income | 1,429,000 | 3,457,000 | 5,301,000 | 7,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,440,000 | 99,468,000 | 101,312,000 | 103,694,000 |
| Total capital | 105,710,000 | 107,797,000 | 109,673,000 | 112,250,000 |
| Risk-weighted assets | 800,306,000 | 806,905,000 | 808,938,000 | 834,930,000 |