Call reports 2017
GORHAM SAVINGS BANK — 2017
What GORHAM SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,038,786,000 | 1,069,263,000 | 1,079,608,000 | 1,088,821,000 |
| Total loans | 811,134,000 | 832,398,000 | 856,840,000 | 869,668,000 |
| Allowance for loan losses | 7,393,000 | 6,940,000 | 7,250,000 | 7,513,000 |
| Securities available for sale | 146,222,000 | 141,781,000 | 139,759,000 | 140,350,000 |
| Securities held to maturity | 5,688,000 | 5,573,000 | 5,457,000 | 5,338,000 |
| Trading assets | 3,366,000 | 3,772,000 | 3,885,000 | 4,021,000 |
| Total deposits | 809,716,000 | 839,618,000 | 845,998,000 | 846,192,000 |
| Interest-bearing deposits | 637,451,000 | 646,156,000 | 656,132,000 | 656,721,000 |
| Noninterest-bearing deposits | 172,265,000 | 193,462,000 | 189,866,000 | 189,471,000 |
| Equity capital | 101,688,000 | 103,475,000 | 105,167,000 | 104,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 9,093,000 | 18,613,000 | 28,634,000 | 38,933,000 |
| Interest expense | 1,011,000 | 2,199,000 | 3,546,000 | 4,975,000 |
| Net interest income | 8,082,000 | 16,414,000 | 25,088,000 | 33,958,000 |
| Noninterest income | 1,048,000 | 2,652,000 | 4,024,000 | 5,257,000 |
| Noninterest expense | 7,631,000 | 15,798,000 | 23,752,000 | 31,646,000 |
| Provision for loan losses | 179,000 | 11,000 | 246,000 | 493,000 |
| Pretax income | 1,320,000 | 3,257,000 | 5,189,000 | 7,139,000 |
| Income tax | 102,000 | 534,000 | 965,000 | 2,727,000 |
| Net income | 1,218,000 | 2,723,000 | 4,224,000 | 4,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,436,000 | 106,941,000 | 108,513,000 | 108,701,000 |
| Total capital | 114,014,000 | 115,347,000 | 117,306,000 | 117,682,000 |
| Risk-weighted assets | 837,118,000 | 852,294,000 | 890,351,000 | 897,346,000 |