Call reports 2012
GATEWAY BANK, F.S.B. — 2012
What GATEWAY BANK, F.S.B. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 267,494,000 | 256,969,000 | 247,144,000 | 237,689,000 |
| Total loans | 158,030,000 | 172,951,000 | 154,052,000 | 157,771,000 |
| Allowance for loan losses | 3,983,000 | 3,576,000 | 3,231,000 | 3,256,000 |
| Securities available for sale | 45,742,000 | 39,537,000 | 33,409,000 | 18,493,000 |
| Securities held to maturity | 647,000 | 643,000 | 638,000 | 634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,702,000 | 243,713,000 | 232,213,000 | 225,859,000 |
| Interest-bearing deposits | 244,352,000 | 235,853,000 | 222,305,000 | 212,657,000 |
| Noninterest-bearing deposits | 7,350,000 | 7,860,000 | 9,908,000 | 13,202,000 |
| Equity capital | 12,071,000 | 9,382,000 | 10,499,000 | 8,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,140,000 | 7,562,000 | 11,479,000 | 15,213,000 |
| Interest expense | 500,000 | 935,000 | 1,308,000 | 1,618,000 |
| Net interest income | 3,640,000 | 6,627,000 | 10,171,000 | 13,595,000 |
| Noninterest income | 953,000 | 701,000 | 1,196,000 | 1,891,000 |
| Noninterest expense | 4,562,000 | 9,983,000 | 13,716,000 | 17,416,000 |
| Provision for loan losses | 0 | 276,000 | 391,000 | 605,000 |
| Pretax income | 31,000 | -2,935,000 | -2,607,000 | -3,552,000 |
| Income tax | 0 | 0 | 33,000 | 0 |
| Net income | 31,000 | -2,935,000 | -2,640,000 | -3,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,522,000 | 10,603,000 | 10,855,000 | 8,649,000 |
| Total capital | 14,950,000 | 12,047,000 | 12,098,000 | 9,861,000 |
| Risk-weighted assets | 148,427,000 | 150,178,000 | 134,245,000 | 131,660,000 |