Call reports 2016
GATEWAY STATE BANK — 2016
What GATEWAY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 152,085,000 | 155,361,000 | 152,194,000 | 153,127,000 |
| Total loans | 96,097,000 | 96,147,000 | 97,230,000 | 99,779,000 |
| Allowance for loan losses | 791,000 | 827,000 | 865,000 | 889,000 |
| Securities available for sale | 36,178,000 | 39,530,000 | 37,996,000 | 37,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,430,000 | 124,598,000 | 114,197,000 | 122,444,000 |
| Interest-bearing deposits | 106,458,000 | 110,516,000 | 100,267,000 | 107,329,000 |
| Noninterest-bearing deposits | 14,972,000 | 14,082,000 | 13,930,000 | 15,115,000 |
| Equity capital | 14,606,000 | 14,982,000 | 15,096,000 | 14,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,313,000 | 2,650,000 | 3,997,000 | 5,347,000 |
| Interest expense | 287,000 | 586,000 | 885,000 | 1,184,000 |
| Net interest income | 1,026,000 | 2,064,000 | 3,112,000 | 4,163,000 |
| Noninterest income | 153,000 | 263,000 | 442,000 | 625,000 |
| Noninterest expense | 804,000 | 1,625,000 | 2,462,000 | 3,272,000 |
| Provision for loan losses | 59,000 | 113,000 | 167,000 | 210,000 |
| Pretax income | 316,000 | 589,000 | 925,000 | 1,306,000 |
| Income tax | 82,000 | 145,000 | 229,000 | 317,000 |
| Net income | 234,000 | 444,000 | 696,000 | 989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,695,000 | 12,905,000 | 13,158,000 | 13,450,000 |
| Total capital | 13,486,000 | 13,732,000 | 14,023,000 | 14,339,000 |
| Risk-weighted assets | 95,096,000 | 96,124,000 | 96,499,000 | 97,448,000 |