Call reports 2006
GATEWAY STATE BANK — 2006
What GATEWAY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 91,797,000 | 93,082,000 | 92,176,000 | 90,076,000 |
| Total loans | 71,339,000 | 72,461,000 | 71,253,000 | 69,391,000 |
| Allowance for loan losses | 623,000 | 624,000 | 656,000 | 664,000 |
| Securities available for sale | 14,147,000 | 13,716,000 | 14,263,000 | 14,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,017,000 | 68,451,000 | 69,154,000 | 70,787,000 |
| Interest-bearing deposits | 66,615,000 | 60,003,000 | 60,790,000 | 62,370,000 |
| Noninterest-bearing deposits | 8,402,000 | 8,448,000 | 8,364,000 | 8,417,000 |
| Equity capital | 7,827,000 | 7,966,000 | 8,234,000 | 8,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,823,000 | 4,336,000 | 5,850,000 |
| Interest expense | 631,000 | 1,311,000 | 2,083,000 | 2,853,000 |
| Net interest income | 748,000 | 1,512,000 | 2,253,000 | 2,997,000 |
| Noninterest income | 135,000 | 276,000 | 405,000 | 543,000 |
| Noninterest expense | 595,000 | 1,188,000 | 1,800,000 | 2,357,000 |
| Provision for loan losses | 37,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 251,000 | 525,000 | 741,000 | 1,024,000 |
| Income tax | 86,000 | 181,000 | 252,000 | 343,000 |
| Net income | 165,000 | 344,000 | 489,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,226,000 | 6,406,000 | 6,551,000 | 6,743,000 |
| Total capital | 6,849,000 | 7,030,000 | 7,207,000 | 7,407,000 |
| Risk-weighted assets | 56,308,000 | 58,145,000 | 60,395,000 | 58,607,000 |