Call reports 2015
GATEWAY COMMERCIAL BANK — 2015
What GATEWAY COMMERCIAL 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 | 93,667,000 | 94,453,000 | 103,312,000 | 110,294,000 |
| Total loans | 63,606,000 | 56,102,000 | 59,732,000 | 57,641,000 |
| Allowance for loan losses | 735,000 | 735,000 | 735,000 | 755,000 |
| Securities available for sale | 20,858,000 | 24,734,000 | 27,506,000 | 30,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,798,000 | 79,514,000 | 88,206,000 | 87,582,000 |
| Interest-bearing deposits | 58,358,000 | 59,388,000 | 65,835,000 | 66,066,000 |
| Noninterest-bearing deposits | 20,440,000 | 20,126,000 | 22,371,000 | 21,516,000 |
| Equity capital | 13,950,000 | 14,059,000 | 14,441,000 | 14,210,000 |
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 | 940,000 | 1,910,000 | 2,835,000 | 3,798,000 |
| Interest expense | 98,000 | 196,000 | 296,000 | 409,000 |
| Net interest income | 842,000 | 1,714,000 | 2,539,000 | 3,389,000 |
| Noninterest income | 51,000 | 107,000 | 167,000 | 220,000 |
| Noninterest expense | 529,000 | 1,070,000 | 1,606,000 | 2,146,000 |
| Provision for loan losses | 179,000 | 179,000 | 179,000 | 328,000 |
| Pretax income | 193,000 | 580,000 | 938,000 | 1,204,000 |
| Income tax | 37,000 | 175,000 | 285,000 | 361,000 |
| Net income | 156,000 | 405,000 | 653,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,840,000 | 14,097,000 | 14,389,000 | 14,325,000 |
| Total capital | 14,589,000 | 14,846,000 | 15,138,000 | 15,094,000 |
| Risk-weighted assets | 78,209,000 | 73,112,000 | 75,806,000 | 73,182,000 |