Call reports 2022
GORHAM SAVINGS BANK — 2022
What GORHAM SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,547,967,000 | 1,555,791,000 | 1,552,351,000 | 1,607,984,000 |
| Total loans | 1,135,646,000 | 1,170,439,000 | 1,181,676,000 | 1,241,205,000 |
| Allowance for loan losses | 9,241,000 | 9,734,000 | 9,673,000 | 10,147,000 |
| Securities available for sale | 281,620,000 | 257,002,000 | 244,618,000 | 251,609,000 |
| Securities held to maturity | 8,734,000 | 6,500,000 | 6,500,000 | 6,500,000 |
| Trading assets | 5,005,000 | 4,994,000 | 4,836,000 | 4,985,000 |
| Total deposits | 1,360,876,000 | 1,381,456,000 | 1,377,805,000 | 1,349,761,000 |
| Interest-bearing deposits | 982,453,000 | 1,001,457,000 | 991,392,000 | 988,886,000 |
| Noninterest-bearing deposits | 378,423,000 | 379,999,000 | 386,413,000 | 360,875,000 |
| Equity capital | 122,781,000 | 113,025,000 | 102,427,000 | 106,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,977,000 | 24,383,000 | 37,942,000 | 52,982,000 |
| Interest expense | 526,000 | 1,625,000 | 4,144,000 | 8,683,000 |
| Net interest income | 11,451,000 | 22,758,000 | 33,798,000 | 44,299,000 |
| Noninterest income | 1,704,000 | 3,092,000 | 4,665,000 | 6,589,000 |
| Noninterest expense | 15,080,000 | 24,041,000 | 33,533,000 | 43,096,000 |
| Provision for loan losses | -224,000 | 322,000 | 357,000 | 877,000 |
| Pretax income | -1,701,000 | 1,487,000 | 4,573,000 | 6,915,000 |
| Income tax | -519,000 | -104,000 | 297,000 | 687,000 |
| Net income | -1,182,000 | 1,591,000 | 4,276,000 | 6,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,742,000 | 142,616,000 | 145,184,000 | 147,187,000 |