Call reports 2024
GORHAM SAVINGS BANK — 2024
What GORHAM SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,644,996,000 | 1,653,584,000 | 1,623,796,000 | 1,608,101,000 |
| Total loans | 1,265,225,000 | 1,269,678,000 | 1,252,737,000 | 1,278,094,000 |
| Allowance for loan losses | 9,752,000 | 9,156,000 | 8,885,000 | 9,428,000 |
| Securities available for sale | 216,912,000 | 213,964,000 | 220,205,000 | 207,191,000 |
| Securities held to maturity | 6,750,000 | 6,750,000 | 6,750,000 | 6,750,000 |
| Trading assets | 5,644,000 | 5,525,000 | 5,785,000 | 5,765,000 |
| Total deposits | 1,346,317,000 | 1,349,536,000 | 1,375,485,000 | 1,393,920,000 |
| Interest-bearing deposits | 1,050,961,000 | 1,046,576,000 | 1,058,995,000 | 1,087,869,000 |
| Noninterest-bearing deposits | 295,356,000 | 302,960,000 | 316,490,000 | 306,051,000 |
| Equity capital | 112,176,000 | 113,727,000 | 122,957,000 | 116,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 18,248,000 | 36,577,000 | 56,017,000 | 74,311,000 |
| Interest expense | 9,213,000 | 18,353,000 | 27,400,000 | 36,507,000 |
| Net interest income | 9,035,000 | 18,224,000 | 28,617,000 | 37,804,000 |
| Noninterest income | 2,586,000 | 4,518,000 | 6,936,000 | 9,203,000 |
| Noninterest expense | 10,688,000 | 20,942,000 | 32,118,000 | 42,654,000 |
| Provision for loan losses | 163,000 | -766,000 | -1,269,000 | -693,000 |
| Pretax income | 794,000 | 2,492,000 | 4,690,000 | 4,934,000 |
| Income tax | 22,000 | 174,000 | 281,000 | -473,000 |
| Net income | 772,000 | 2,318,000 | 4,409,000 | 5,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,618,000 | 153,531,000 | 155,588,000 | 156,465,000 |