Call reports 2019
GORHAM SAVINGS BANK — 2019
What GORHAM SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,213,654,000 | 1,216,866,000 | 1,223,208,000 | 1,256,735,000 |
| Total loans | 977,971,000 | 979,091,000 | 961,103,000 | 976,761,000 |
| Allowance for loan losses | 8,361,000 | 8,400,000 | 8,384,000 | 8,430,000 |
| Securities available for sale | 155,109,000 | 145,501,000 | 157,199,000 | 174,442,000 |
| Securities held to maturity | 4,669,000 | 4,556,000 | 4,443,000 | 4,327,000 |
| Trading assets | 4,277,000 | 4,667,000 | 4,706,000 | 4,840,000 |
| Total deposits | 1,003,632,000 | 990,249,000 | 1,023,625,000 | 1,030,221,000 |
| Interest-bearing deposits | 797,792,000 | 788,720,000 | 804,403,000 | 828,893,000 |
| Noninterest-bearing deposits | 205,840,000 | 201,529,000 | 219,222,000 | 201,328,000 |
| Equity capital | 112,051,000 | 115,718,000 | 118,961,000 | 120,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 12,504,000 | 25,198,000 | 37,904,000 | 50,245,000 |
| Interest expense | 3,125,000 | 6,283,000 | 9,125,000 | 11,601,000 |
| Net interest income | 9,379,000 | 18,915,000 | 28,779,000 | 38,644,000 |
| Noninterest income | 908,000 | 2,502,000 | 3,665,000 | 4,775,000 |
| Noninterest expense | 8,026,000 | 16,677,000 | 25,046,000 | 33,702,000 |
| Provision for loan losses | 215,000 | 258,000 | 245,000 | 319,000 |
| Pretax income | 2,046,000 | 4,434,000 | 7,081,000 | 9,337,000 |
| Income tax | 199,000 | 577,000 | 994,000 | 1,351,000 |
| Net income | 1,847,000 | 3,857,000 | 6,087,000 | 7,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,828,000 | 119,837,000 | 122,068,000 | 123,966,000 |
| Total capital | 127,528,000 | 129,632,000 | 131,961,000 | 133,980,000 |
| Risk-weighted assets | 989,364,000 | 990,493,000 | 991,123,000 | 1,021,017,000 |