Call reports 2013
GATEWAY STATE BANK — 2013
What GATEWAY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,348,000 | 128,902,000 | 131,997,000 | 136,951,000 |
| Total loans | 85,437,000 | 85,555,000 | 87,821,000 | 94,430,000 |
| Allowance for loan losses | 813,000 | 785,000 | 863,000 | 847,000 |
| Securities available for sale | 30,804,000 | 30,943,000 | 31,023,000 | 30,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,003,000 | 102,598,000 | 102,894,000 | 105,018,000 |
| Interest-bearing deposits | 91,414,000 | 90,440,000 | 89,060,000 | 93,027,000 |
| Noninterest-bearing deposits | 13,589,000 | 12,158,000 | 13,834,000 | 11,990,000 |
| Equity capital | 12,271,000 | 12,063,000 | 12,382,000 | 12,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,597,000 | 3,879,000 | 5,143,000 |
| Interest expense | 288,000 | 562,000 | 821,000 | 1,088,000 |
| Net interest income | 1,029,000 | 2,035,000 | 3,058,000 | 4,055,000 |
| Noninterest income | 151,000 | 303,000 | 459,000 | 613,000 |
| Noninterest expense | 806,000 | 1,624,000 | 2,456,000 | 3,199,000 |
| Provision for loan losses | 27,000 | 54,000 | 121,000 | 240,000 |
| Pretax income | 357,000 | 670,000 | 950,000 | 1,239,000 |
| Income tax | 102,000 | 188,000 | 260,000 | 335,000 |
| Net income | 255,000 | 482,000 | 690,000 | 904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,134,000 | 10,362,000 | 10,570,000 | 10,783,000 |
| Total capital | 10,947,000 | 11,147,000 | 11,433,000 | 11,630,000 |
| Risk-weighted assets | 84,136,000 | 84,879,000 | 86,667,000 | 92,817,000 |