Call reports 2002
AMERICAN GATEWAY BANK — 2002
What AMERICAN GATEWAY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 184,726,000 | 193,255,000 | 197,261,000 | 213,411,000 |
| Total loans | 129,777,000 | 138,761,000 | 144,640,000 | 148,561,000 |
| Allowance for loan losses | 1,090,000 | 1,197,000 | 1,243,000 | 1,354,000 |
| Securities available for sale | 43,750,000 | 40,887,000 | 37,725,000 | 45,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,676,000 | 154,853,000 | 153,163,000 | 170,231,000 |
| Interest-bearing deposits | 120,550,000 | 120,876,000 | 121,394,000 | 137,518,000 |
| Noninterest-bearing deposits | 32,126,000 | 33,977,000 | 31,769,000 | 32,713,000 |
| Equity capital | 13,561,000 | 14,436,000 | 15,284,000 | 15,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,297,000 | 6,745,000 | 10,121,000 | 13,519,000 |
| Interest expense | 858,000 | 1,743,000 | 2,652,000 | 3,591,000 |
| Net interest income | 2,439,000 | 5,002,000 | 7,469,000 | 9,928,000 |
| Noninterest income | 374,000 | 836,000 | 1,252,000 | 1,591,000 |
| Noninterest expense | 1,926,000 | 3,825,000 | 5,728,000 | 7,745,000 |
| Provision for loan losses | 120,000 | 285,000 | 450,000 | 615,000 |
| Pretax income | 767,000 | 1,728,000 | 2,527,000 | 3,142,000 |
| Income tax | 246,000 | 553,000 | 796,000 | 900,000 |
| Net income | 521,000 | 1,175,000 | 1,731,000 | 2,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,398,000 | 13,968,000 | 14,441,000 | 14,734,000 |
| Total capital | 14,488,000 | 15,165,000 | 15,684,000 | 16,088,000 |
| Risk-weighted assets | 126,469,000 | 133,806,000 | 140,684,000 | 147,433,000 |