Call reports 2009
GATEWAY STATE BANK — 2009
What GATEWAY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 106,856,000 | 106,892,000 | 111,353,000 | 109,279,000 |
| Total loans | 69,383,000 | 67,542,000 | 68,233,000 | 67,699,000 |
| Allowance for loan losses | 715,000 | 689,000 | 720,000 | 685,000 |
| Securities available for sale | 19,246,000 | 24,724,000 | 24,770,000 | 24,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,402,000 | 85,204,000 | 86,558,000 | 86,335,000 |
| Interest-bearing deposits | 77,199,000 | 77,252,000 | 78,944,000 | 78,362,000 |
| Noninterest-bearing deposits | 7,203,000 | 7,952,000 | 7,614,000 | 7,973,000 |
| Equity capital | 9,418,000 | 9,445,000 | 9,686,000 | 9,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,775,000 | 4,131,000 | 5,480,000 |
| Interest expense | 620,000 | 1,234,000 | 1,815,000 | 2,361,000 |
| Net interest income | 774,000 | 1,541,000 | 2,316,000 | 3,119,000 |
| Noninterest income | 151,000 | 312,000 | 478,000 | 609,000 |
| Noninterest expense | 824,000 | 1,630,000 | 2,448,000 | 3,213,000 |
| Provision for loan losses | 18,000 | 45,000 | 72,000 | 99,000 |
| Pretax income | 83,000 | 178,000 | 274,000 | 416,000 |
| Income tax | 17,000 | 33,000 | 47,000 | 62,000 |
| Net income | 66,000 | 145,000 | 227,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,345,000 | 7,425,000 | 7,506,000 | 7,633,000 |
| Total capital | 8,060,000 | 8,114,000 | 8,226,000 | 8,318,000 |
| Risk-weighted assets | 71,333,000 | 66,960,000 | 71,079,000 | 71,582,000 |