Call reports 2020
GORHAM SAVINGS BANK — 2020
What GORHAM SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,251,161,000 | 1,387,115,000 | 1,397,038,000 | 1,384,496,000 |
| Total loans | 987,401,000 | 1,076,633,000 | 1,102,816,000 | 1,067,345,000 |
| Allowance for loan losses | 9,401,000 | 9,879,000 | 10,857,000 | 11,443,000 |
| Securities available for sale | 168,465,000 | 180,239,000 | 194,711,000 | 225,346,000 |
| Securities held to maturity | 4,210,000 | 4,093,000 | 3,974,000 | 3,854,000 |
| Trading assets | 4,141,000 | 4,392,000 | 4,522,000 | 5,253,000 |
| Total deposits | 1,028,011,000 | 1,194,711,000 | 1,205,497,000 | 1,216,924,000 |
| Interest-bearing deposits | 824,926,000 | 908,548,000 | 894,941,000 | 903,316,000 |
| Noninterest-bearing deposits | 203,085,000 | 286,163,000 | 310,556,000 | 313,608,000 |
| Equity capital | 120,757,000 | 123,184,000 | 123,828,000 | 126,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,968,000 | 23,224,000 | 34,475,000 | 47,345,000 |
| Interest expense | 2,207,000 | 3,294,000 | 4,232,000 | 5,131,000 |
| Net interest income | 9,761,000 | 19,930,000 | 30,243,000 | 42,214,000 |
| Noninterest income | 660,000 | 2,060,000 | 3,250,000 | 5,128,000 |
| Noninterest expense | 7,619,000 | 16,513,000 | 25,712,000 | 34,957,000 |
| Provision for loan losses | 980,000 | 1,468,000 | 2,442,000 | 3,182,000 |
| Pretax income | 2,021,000 | 4,208,000 | 5,538,000 | 9,542,000 |
| Income tax | 227,000 | 621,000 | 772,000 | 1,393,000 |
| Net income | 1,794,000 | 3,587,000 | 4,766,000 | 8,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,643,000 | 127,436,000 | 128,614,000 | 131,998,000 |