Call reports 2016
GATEWAY BANK OF CENTRAL FLORIDA — 2016
What GATEWAY BANK OF CENTRAL FLORIDA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 271,841,000 | 273,337,000 | 276,500,000 | 277,718,000 |
| Total loans | 182,915,000 | 187,815,000 | 190,552,000 | 199,051,000 |
| Allowance for loan losses | 2,157,000 | 2,154,000 | 2,280,000 | 2,198,000 |
| Securities available for sale | 51,251,000 | 50,551,000 | 48,831,000 | 45,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,093,000 | 231,139,000 | 226,716,000 | 228,531,000 |
| Interest-bearing deposits | 159,535,000 | 146,072,000 | 143,886,000 | 146,382,000 |
| Noninterest-bearing deposits | 70,558,000 | 85,067,000 | 82,830,000 | 82,149,000 |
| Equity capital | 23,266,000 | 23,572,000 | 23,935,000 | 24,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,370,000 | 4,794,000 | 7,257,000 | 9,758,000 |
| Interest expense | 231,000 | 434,000 | 635,000 | 841,000 |
| Net interest income | 2,139,000 | 4,360,000 | 6,622,000 | 8,917,000 |
| Noninterest income | 151,000 | 329,000 | 514,000 | 843,000 |
| Noninterest expense | 1,537,000 | 3,116,000 | 4,663,000 | 6,095,000 |
| Provision for loan losses | 120,000 | 258,000 | 291,000 | 291,000 |
| Pretax income | 633,000 | 1,525,000 | 2,392,000 | 3,584,000 |
| Income tax | 171,000 | 432,000 | 678,000 | 1,045,000 |
| Net income | 462,000 | 1,093,000 | 1,714,000 | 2,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,649,000 | 22,784,000 | 23,410,000 | 24,238,000 |
| Total capital | 24,806,000 | 24,938,000 | 25,690,000 | 26,436,000 |
| Risk-weighted assets | 200,843,000 | 205,305,000 | 207,186,000 | 214,114,000 |