Call reports 2015
GATEWAY STATE BANK — 2015
What GATEWAY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 143,414,000 | 139,731,000 | 143,656,000 | 156,394,000 |
| Total loans | 91,351,000 | 96,633,000 | 99,377,000 | 98,744,000 |
| Allowance for loan losses | 777,000 | 585,000 | 632,000 | 735,000 |
| Securities available for sale | 29,085,000 | 28,383,000 | 27,563,000 | 28,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,832,000 | 100,936,000 | 111,057,000 | 125,530,000 |
| Interest-bearing deposits | 98,560,000 | 89,154,000 | 97,117,000 | 103,545,000 |
| Noninterest-bearing deposits | 13,272,000 | 11,782,000 | 13,940,000 | 21,985,000 |
| Equity capital | 13,749,000 | 13,817,000 | 14,116,000 | 14,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,576,000 | 3,914,000 | 5,250,000 |
| Interest expense | 260,000 | 523,000 | 793,000 | 1,075,000 |
| Net interest income | 1,029,000 | 2,053,000 | 3,121,000 | 4,175,000 |
| Noninterest income | 97,000 | 242,000 | 386,000 | 530,000 |
| Noninterest expense | 850,000 | 1,692,000 | 2,540,000 | 3,328,000 |
| Provision for loan losses | 34,000 | 81,000 | 128,000 | 226,000 |
| Pretax income | 242,000 | 522,000 | 839,000 | 1,151,000 |
| Income tax | 59,000 | 130,000 | 215,000 | 302,000 |
| Net income | 183,000 | 392,000 | 624,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,795,000 | 12,020,000 | 12,261,000 | 12,461,000 |
| Total capital | 12,572,000 | 12,605,000 | 12,893,000 | 13,196,000 |
| Risk-weighted assets | 85,886,000 | 102,432,000 | 105,106,000 | 97,816,000 |