Call reports 2018
GORHAM SAVINGS BANK — 2018
What GORHAM SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,121,268,000 | 1,145,241,000 | 1,162,423,000 | 1,193,697,000 |
| Total loans | 898,504,000 | 920,154,000 | 941,079,000 | 958,837,000 |
| Allowance for loan losses | 7,861,000 | 7,856,000 | 8,007,000 | 8,156,000 |
| Securities available for sale | 141,666,000 | 140,655,000 | 138,997,000 | 151,487,000 |
| Securities held to maturity | 5,218,000 | 4,602,000 | 4,493,000 | 4,382,000 |
| Trading assets | 3,963,000 | 4,451,000 | 4,598,000 | 4,457,000 |
| Total deposits | 862,026,000 | 873,613,000 | 947,082,000 | 965,896,000 |
| Interest-bearing deposits | 670,858,000 | 675,970,000 | 735,637,000 | 760,443,000 |
| Noninterest-bearing deposits | 191,168,000 | 197,643,000 | 211,445,000 | 205,453,000 |
| Equity capital | 103,308,000 | 104,430,000 | 105,420,000 | 108,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 10,529,000 | 21,662,000 | 33,488,000 | 45,714,000 |
| Interest expense | 1,734,000 | 3,859,000 | 6,243,000 | 8,993,000 |
| Net interest income | 8,795,000 | 17,803,000 | 27,245,000 | 36,721,000 |
| Noninterest income | 1,115,000 | 2,700,000 | 3,900,000 | 4,893,000 |
| Noninterest expense | 8,148,000 | 16,703,000 | 24,828,000 | 33,149,000 |
| Provision for loan losses | 355,000 | 367,000 | 584,000 | 752,000 |
| Pretax income | 1,223,000 | 3,249,000 | 5,549,000 | 7,529,000 |
| Income tax | -191,000 | 130,000 | 493,000 | 806,000 |
| Net income | 1,414,000 | 3,119,000 | 5,056,000 | 6,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,776,000 | 112,481,000 | 114,418,000 | 116,085,000 |
| Total capital | 119,862,000 | 121,794,000 | 123,759,000 | 125,676,000 |
| Risk-weighted assets | 922,176,000 | 942,919,000 | 958,496,000 | 971,022,000 |