Call reports 2005
GATEWAY STATE BANK — 2005
What GATEWAY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,091,000 | 86,297,000 | 89,216,000 | 91,057,000 |
| Total loans | 61,785,000 | 66,378,000 | 69,547,000 | 70,954,000 |
| Allowance for loan losses | 506,000 | 537,000 | 566,000 | 587,000 |
| Securities available for sale | 12,378,000 | 13,200,000 | 13,516,000 | 13,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,962,000 | 68,129,000 | 69,593,000 | 71,271,000 |
| Interest-bearing deposits | 54,383,000 | 59,416,000 | 61,401,000 | 62,795,000 |
| Noninterest-bearing deposits | 8,579,000 | 8,713,000 | 8,192,000 | 8,476,000 |
| Equity capital | 7,122,000 | 7,350,000 | 7,506,000 | 7,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,262,000 | 3,528,000 | 4,861,000 |
| Interest expense | 384,000 | 835,000 | 1,372,000 | 1,977,000 |
| Net interest income | 694,000 | 1,427,000 | 2,156,000 | 2,884,000 |
| Noninterest income | 117,000 | 246,000 | 406,000 | 554,000 |
| Noninterest expense | 511,000 | 1,044,000 | 1,590,000 | 2,130,000 |
| Provision for loan losses | 37,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 263,000 | 552,000 | 858,000 | 1,157,000 |
| Income tax | 91,000 | 191,000 | 299,000 | 397,000 |
| Net income | 172,000 | 361,000 | 559,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,474,000 | 5,663,000 | 5,862,000 | 6,062,000 |
| Total capital | 5,980,000 | 6,200,000 | 6,428,000 | 6,649,000 |
| Risk-weighted assets | 48,213,000 | 51,908,000 | 53,406,000 | 54,542,000 |