Call reports 2010
GATEWAY STATE BANK — 2010
What GATEWAY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 111,073,000 | 112,526,000 | 111,802,000 | 115,372,000 |
| Total loans | 71,336,000 | 74,880,000 | 75,198,000 | 74,217,000 |
| Allowance for loan losses | 714,000 | 735,000 | 755,000 | 710,000 |
| Securities available for sale | 25,562,000 | 24,382,000 | 23,304,000 | 22,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,393,000 | 89,415,000 | 88,771,000 | 93,578,000 |
| Interest-bearing deposits | 81,331,000 | 79,960,000 | 80,549,000 | 83,172,000 |
| Noninterest-bearing deposits | 8,062,000 | 9,455,000 | 8,222,000 | 10,406,000 |
| Equity capital | 9,828,000 | 10,007,000 | 10,272,000 | 10,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,746,000 | 4,116,000 | 5,444,000 |
| Interest expense | 506,000 | 1,010,000 | 1,498,000 | 1,961,000 |
| Net interest income | 853,000 | 1,736,000 | 2,618,000 | 3,483,000 |
| Noninterest income | 129,000 | 293,000 | 510,000 | 738,000 |
| Noninterest expense | 770,000 | 1,552,000 | 2,362,000 | 3,196,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 185,000 | 423,000 | 706,000 | 938,000 |
| Income tax | 43,000 | 104,000 | 187,000 | 251,000 |
| Net income | 142,000 | 319,000 | 519,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,775,000 | 7,952,000 | 8,152,000 | 8,320,000 |
| Total capital | 8,489,000 | 8,687,000 | 8,907,000 | 9,030,000 |
| Risk-weighted assets | 75,637,000 | 77,176,000 | 76,146,000 | 75,120,000 |