Call reports 2023
GORHAM SAVINGS BANK — 2023
What GORHAM SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,649,776,000 | 1,638,948,000 | 1,637,222,000 | 1,668,860,000 |
| Total loans | 1,247,367,000 | 1,266,653,000 | 1,276,766,000 | 1,279,867,000 |
| Allowance for loan losses | 9,840,000 | 11,297,000 | 9,877,000 | 9,915,000 |
| Securities available for sale | 252,315,000 | 244,626,000 | 211,703,000 | 223,949,000 |
| Securities held to maturity | 6,500,000 | 6,500,000 | 6,500,000 | 6,500,000 |
| Trading assets | 4,508,000 | 4,508,000 | 5,016,000 | 5,384,000 |
| Total deposits | 1,413,359,000 | 1,352,478,000 | 1,377,757,000 | 1,336,828,000 |
| Interest-bearing deposits | 1,079,734,000 | 1,026,078,000 | 1,037,803,000 | 1,023,645,000 |
| Noninterest-bearing deposits | 333,625,000 | 326,400,000 | 339,954,000 | 313,183,000 |
| Equity capital | 110,285,000 | 107,830,000 | 100,984,000 | 114,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 16,155,000 | 33,237,000 | 50,966,000 | 69,003,000 |
| Interest expense | 6,476,000 | 14,395,000 | 22,421,000 | 31,147,000 |
| Net interest income | 9,679,000 | 18,842,000 | 28,545,000 | 37,856,000 |
| Noninterest income | 1,390,000 | 3,422,000 | 5,571,000 | 8,024,000 |
| Noninterest expense | 9,699,000 | 19,613,000 | 29,658,000 | 40,118,000 |
| Provision for loan losses | 804,000 | 962,000 | -450,000 | -317,000 |
| Pretax income | 566,000 | 1,799,000 | 3,647,000 | 5,960,000 |
| Income tax | 113,000 | 280,000 | 499,000 | 674,000 |
| Net income | 453,000 | 1,519,000 | 3,148,000 | 5,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,569,000 | 148,201,000 | 149,834,000 | 151,974,000 |