Call reports 2002
GATEWAY STATE BANK — 2002
What GATEWAY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 52,363,000 | 56,661,000 | 59,523,000 | 62,659,000 |
| Total loans | 36,333,000 | 40,857,000 | 43,360,000 | 43,979,000 |
| Allowance for loan losses | 225,000 | 251,000 | 324,000 | 262,000 |
| Securities available for sale | 10,305,000 | 10,627,000 | 10,432,000 | 12,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,892,000 | 45,692,000 | 48,085,000 | 50,963,000 |
| Interest-bearing deposits | 36,978,000 | 40,625,000 | 43,017,000 | 45,135,000 |
| Noninterest-bearing deposits | 4,914,000 | 5,067,000 | 5,068,000 | 5,828,000 |
| Equity capital | 5,057,000 | 5,250,000 | 5,616,000 | 5,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,713,000 | 2,687,000 | 3,646,000 |
| Interest expense | 383,000 | 780,000 | 1,201,000 | 1,636,000 |
| Net interest income | 447,000 | 933,000 | 1,486,000 | 2,010,000 |
| Noninterest income | 61,000 | 142,000 | 209,000 | 320,000 |
| Noninterest expense | 402,000 | 740,000 | 1,127,000 | 1,551,000 |
| Provision for loan losses | 30,000 | 62,000 | 140,000 | 177,000 |
| Pretax income | 76,000 | 273,000 | 428,000 | 602,000 |
| Income tax | -4,000 | 64,000 | 128,000 | 174,000 |
| Net income | 80,000 | 209,000 | 300,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,233,000 | 3,362,000 | 3,702,000 | 3,981,000 |
| Total capital | 3,458,000 | 3,613,000 | 4,026,000 | 4,243,000 |
| Risk-weighted assets | 32,735,000 | 35,857,000 | 37,364,000 | 38,629,000 |