Call reports 2007
GATEWAY STATE BANK — 2007
What GATEWAY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,087,000 | 97,197,000 | 97,378,000 | 93,077,000 |
| Total loans | 72,349,000 | 75,746,000 | 75,267,000 | 70,369,000 |
| Allowance for loan losses | 686,000 | 710,000 | 1,023,000 | 769,000 |
| Securities available for sale | 14,089,000 | 14,706,000 | 15,087,000 | 15,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,971,000 | 77,697,000 | 72,936,000 | 73,335,000 |
| Interest-bearing deposits | 67,396,000 | 68,855,000 | 64,783,000 | 65,869,000 |
| Noninterest-bearing deposits | 8,575,000 | 8,842,000 | 8,153,000 | 7,466,000 |
| Equity capital | 8,580,000 | 8,677,000 | 8,790,000 | 8,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,188,000 | 4,838,000 | 6,351,000 |
| Interest expense | 775,000 | 1,629,000 | 2,511,000 | 3,359,000 |
| Net interest income | 760,000 | 1,559,000 | 2,327,000 | 2,992,000 |
| Noninterest income | 116,000 | 267,000 | 392,000 | 530,000 |
| Noninterest expense | 664,000 | 1,325,000 | 1,980,000 | 2,565,000 |
| Provision for loan losses | 27,000 | 54,000 | 381,000 | 674,000 |
| Pretax income | 185,000 | 447,000 | 358,000 | 282,000 |
| Income tax | 57,000 | 146,000 | 84,000 | 68,000 |
| Net income | 128,000 | 301,000 | 274,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,871,000 | 7,044,000 | 7,017,000 | 6,957,000 |
| Total capital | 7,557,000 | 7,754,000 | 7,857,000 | 7,726,000 |
| Risk-weighted assets | 60,510,000 | 65,895,000 | 67,009,000 | 62,759,000 |