Call reports 2013
GATEWAY COMMERCIAL BANK — 2013
What GATEWAY COMMERCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 83,105,000 | 83,900,000 | 87,544,000 | 86,723,000 |
| Total loans | 45,382,000 | 46,183,000 | 51,563,000 | 50,606,000 |
| Allowance for loan losses | 404,000 | 405,000 | 493,000 | 513,000 |
| Securities available for sale | 27,906,000 | 29,414,000 | 29,063,000 | 27,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,228,000 | 70,642,000 | 72,489,000 | 73,371,000 |
| Interest-bearing deposits | 55,897,000 | 54,792,000 | 55,998,000 | 59,387,000 |
| Noninterest-bearing deposits | 13,331,000 | 15,850,000 | 16,491,000 | 13,984,000 |
| Equity capital | 12,825,000 | 12,428,000 | 12,338,000 | 12,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,571,000 | 2,404,000 | 3,275,000 |
| Interest expense | 101,000 | 201,000 | 300,000 | 403,000 |
| Net interest income | 667,000 | 1,370,000 | 2,104,000 | 2,872,000 |
| Noninterest income | 26,000 | 65,000 | 98,000 | 129,000 |
| Noninterest expense | 455,000 | 939,000 | 1,447,000 | 1,928,000 |
| Provision for loan losses | 5,000 | 10,000 | 43,000 | 63,000 |
| Pretax income | 233,000 | 486,000 | 712,000 | 1,050,000 |
| Income tax | 88,000 | 184,000 | 270,000 | 373,000 |
| Net income | 145,000 | 302,000 | 442,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,582,000 | 12,549,000 | 12,547,000 | 12,725,000 |
| Total capital | 13,037,000 | 13,009,000 | 13,040,000 | 13,238,000 |
| Risk-weighted assets | 57,741,000 | 60,685,000 | 65,655,000 | 65,286,000 |