Call reports 2021
GORHAM SAVINGS BANK — 2021
What GORHAM SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,426,362,000 | 1,469,044,000 | 1,507,132,000 | 1,540,223,000 |
| Total loans | 1,100,856,000 | 1,098,074,000 | 1,097,063,000 | 1,133,312,000 |
| Allowance for loan losses | 12,013,000 | 10,335,000 | 10,618,000 | 9,512,000 |
| Securities available for sale | 232,932,000 | 256,762,000 | 301,504,000 | 309,184,000 |
| Securities held to maturity | 3,732,000 | 3,610,000 | 6,486,000 | 8,861,000 |
| Trading assets | 4,962,000 | 5,617,000 | 5,624,000 | 5,841,000 |
| Total deposits | 1,263,102,000 | 1,304,535,000 | 1,332,781,000 | 1,358,876,000 |
| Interest-bearing deposits | 944,307,000 | 946,127,000 | 953,206,000 | 979,397,000 |
| Noninterest-bearing deposits | 318,795,000 | 358,408,000 | 379,575,000 | 379,479,000 |
| Equity capital | 129,652,000 | 134,674,000 | 135,468,000 | 137,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 12,139,000 | 23,781,000 | 36,021,000 | 48,127,000 |
| Interest expense | 511,000 | 989,000 | 1,471,000 | 1,964,000 |
| Net interest income | 11,628,000 | 22,792,000 | 34,550,000 | 46,163,000 |
| Noninterest income | 961,000 | 2,352,000 | 3,616,000 | 4,956,000 |
| Noninterest expense | 9,351,000 | 18,249,000 | 27,135,000 | 36,779,000 |
| Provision for loan losses | 1,040,000 | 1,453,000 | 1,783,000 | 1,730,000 |
| Pretax income | 2,198,000 | 5,442,000 | 9,229,000 | 12,661,000 |
| Income tax | 250,000 | 672,000 | 1,164,000 | 1,610,000 |
| Net income | 1,948,000 | 4,770,000 | 8,065,000 | 11,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,836,000 | 136,658,000 | 139,952,000 | 142,938,000 |