Call reports 2004
GATEWAY STATE BANK — 2004
What GATEWAY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 71,671,000 | 72,580,000 | 75,762,000 | 77,717,000 |
| Total loans | 52,555,000 | 54,448,000 | 57,642,000 | 58,407,000 |
| Allowance for loan losses | 425,000 | 447,000 | 470,000 | 469,000 |
| Securities available for sale | 12,333,000 | 12,431,000 | 11,969,000 | 12,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,109,000 | 58,055,000 | 59,782,000 | 62,273,000 |
| Interest-bearing deposits | 48,080,000 | 49,062,000 | 51,205,000 | 52,819,000 |
| Noninterest-bearing deposits | 9,029,000 | 8,993,000 | 8,577,000 | 9,454,000 |
| Equity capital | 6,632,000 | 6,655,000 | 6,850,000 | 7,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 976,000 | 1,956,000 | 2,972,000 | 4,030,000 |
| Interest expense | 341,000 | 676,000 | 1,030,000 | 1,399,000 |
| Net interest income | 635,000 | 1,280,000 | 1,942,000 | 2,631,000 |
| Noninterest income | 107,000 | 228,000 | 333,000 | 460,000 |
| Noninterest expense | 469,000 | 960,000 | 1,447,000 | 1,925,000 |
| Provision for loan losses | 38,000 | 75,000 | 112,000 | 150,000 |
| Pretax income | 235,000 | 472,000 | 718,000 | 1,015,000 |
| Income tax | 81,000 | 162,000 | 246,000 | 347,000 |
| Net income | 154,000 | 310,000 | 472,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,788,000 | 4,944,000 | 5,107,000 | 5,303,000 |
| Total capital | 5,213,000 | 5,391,000 | 5,577,000 | 5,772,000 |
| Risk-weighted assets | 43,290,000 | 45,096,000 | 48,073,000 | 47,702,000 |