Call reports 2015
GATEWAY BANK OF CENTRAL FLORIDA — 2015
What GATEWAY BANK OF CENTRAL FLORIDA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 217,694,000 | 216,539,000 | 234,629,000 | 261,607,000 |
| Total loans | 152,586,000 | 153,156,000 | 160,902,000 | 179,143,000 |
| Allowance for loan losses | 2,656,000 | 2,504,000 | 2,061,000 | 2,121,000 |
| Securities available for sale | 32,236,000 | 32,386,000 | 32,451,000 | 51,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,399,000 | 177,213,000 | 194,211,000 | 220,680,000 |
| Interest-bearing deposits | 120,248,000 | 117,222,000 | 128,848,000 | 161,183,000 |
| Noninterest-bearing deposits | 56,151,000 | 59,991,000 | 65,363,000 | 59,497,000 |
| Equity capital | 21,208,000 | 21,227,000 | 21,872,000 | 22,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,072,000 | 4,157,000 | 6,309,000 | 8,586,000 |
| Interest expense | 216,000 | 431,000 | 656,000 | 889,000 |
| Net interest income | 1,856,000 | 3,726,000 | 5,653,000 | 7,697,000 |
| Noninterest income | 165,000 | 284,000 | 440,000 | 622,000 |
| Noninterest expense | 1,474,000 | 3,030,000 | 4,481,000 | 6,033,000 |
| Provision for loan losses | 0 | -100,000 | -100,000 | -50,000 |
| Pretax income | 547,000 | 1,080,000 | 1,712,000 | 2,336,000 |
| Income tax | 140,000 | 275,000 | 447,000 | 617,000 |
| Net income | 407,000 | 805,000 | 1,265,000 | 1,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,005,000 | 20,288,000 | 20,926,000 | 21,603,000 |
| Total capital | 22,129,000 | 22,455,000 | 22,987,000 | 23,724,000 |
| Risk-weighted assets | 168,874,000 | 172,408,000 | 176,383,000 | 192,763,000 |