Call reports 2015
GATE CITY BANK — 2015
What GATE CITY BANK 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 | 1,803,990,000 | 1,800,546,000 | 1,804,470,000 | 1,888,081,000 |
| Total loans | 1,475,510,000 | 1,512,146,000 | 1,553,327,000 | 1,577,926,000 |
| Allowance for loan losses | 9,022,000 | 9,253,000 | 9,253,000 | 9,354,000 |
| Securities available for sale | 116,408,000 | 112,000,000 | 112,747,000 | 112,883,000 |
| Securities held to maturity | 2,791,000 | 3,744,000 | 7,722,000 | 6,851,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,595,147,000 | 1,588,453,000 | 1,587,181,000 | 1,666,092,000 |
| Interest-bearing deposits | 1,427,827,000 | 1,419,031,000 | 1,406,981,000 | 1,479,656,000 |
| Noninterest-bearing deposits | 167,320,000 | 169,422,000 | 180,200,000 | 186,436,000 |
| Equity capital | 197,264,000 | 200,711,000 | 204,614,000 | 207,605,000 |
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 | 13,530,000 | 27,272,000 | 41,452,000 | 55,952,000 |
| Interest expense | 1,189,000 | 2,353,000 | 3,512,000 | 4,627,000 |
| Net interest income | 12,341,000 | 24,919,000 | 37,940,000 | 51,325,000 |
| Noninterest income | 7,694,000 | 16,310,000 | 25,351,000 | 34,748,000 |
| Noninterest expense | 14,923,000 | 30,002,000 | 46,220,000 | 62,910,000 |
| Provision for loan losses | 52,000 | 401,000 | 435,000 | 825,000 |
| Pretax income | 5,060,000 | 10,826,000 | 16,636,000 | 22,338,000 |
| Income tax | 1,969,000 | 4,155,000 | 6,300,000 | 8,510,000 |
| Net income | 3,091,000 | 6,671,000 | 10,336,000 | 13,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 197,292,000 | 200,872,000 | 204,537,000 | 208,029,000 |
| Total capital | 206,314,000 | 210,125,000 | 213,790,000 | 217,383,000 |
| Risk-weighted assets | 1,145,614,000 | 1,172,041,000 | 1,203,777,000 | 1,221,770,000 |