Call reports 2014
GATEWAY COMMERCIAL BANK — 2014
What GATEWAY COMMERCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 91,448,000 | 94,518,000 | 96,501,000 | 95,045,000 |
| Total loans | 49,403,000 | 52,896,000 | 54,017,000 | 58,294,000 |
| Allowance for loan losses | 499,000 | 509,000 | 525,000 | 556,000 |
| Securities available for sale | 28,919,000 | 31,395,000 | 33,898,000 | 29,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,849,000 | 80,279,000 | 81,877,000 | 79,933,000 |
| Interest-bearing deposits | 59,879,000 | 61,809,000 | 61,049,000 | 61,532,000 |
| Noninterest-bearing deposits | 17,970,000 | 18,470,000 | 20,828,000 | 18,401,000 |
| Equity capital | 12,917,000 | 13,329,000 | 13,545,000 | 13,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,719,000 | 2,616,000 | 3,570,000 |
| Interest expense | 103,000 | 204,000 | 305,000 | 408,000 |
| Net interest income | 746,000 | 1,515,000 | 2,311,000 | 3,162,000 |
| Noninterest income | 31,000 | 70,000 | 119,000 | 171,000 |
| Noninterest expense | 507,000 | 989,000 | 1,504,000 | 2,008,000 |
| Provision for loan losses | -14,000 | -4,000 | 12,000 | 43,000 |
| Pretax income | 284,000 | 600,000 | 914,000 | 1,304,000 |
| Income tax | 107,000 | 224,000 | 339,000 | 455,000 |
| Net income | 177,000 | 376,000 | 575,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,096,000 | 13,426,000 | 13,613,000 | 13,679,000 |
| Total capital | 13,609,000 | 13,949,000 | 14,152,000 | 14,249,000 |
| Risk-weighted assets | 65,099,000 | 68,908,000 | 70,151,000 | 73,504,000 |