Call reports 2003
AMERICAN GATEWAY BANK — 2003
What AMERICAN GATEWAY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 214,719,000 | 226,016,000 | 227,931,000 | 237,676,000 |
| Total loans | 154,993,000 | 164,640,000 | 165,417,000 | 173,674,000 |
| Allowance for loan losses | 1,503,000 | 1,651,000 | 1,782,000 | 1,742,000 |
| Securities available for sale | 43,417,000 | 44,310,000 | 45,961,000 | 46,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,610,000 | 168,515,000 | 165,771,000 | 175,171,000 |
| Interest-bearing deposits | 135,408,000 | 132,392,000 | 130,331,000 | 133,957,000 |
| Noninterest-bearing deposits | 34,202,000 | 36,123,000 | 35,440,000 | 41,214,000 |
| Equity capital | 15,857,000 | 16,842,000 | 16,892,000 | 17,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,298,000 | 6,679,000 | 10,063,000 | 13,486,000 |
| Interest expense | 908,000 | 1,820,000 | 2,682,000 | 3,498,000 |
| Net interest income | 2,390,000 | 4,859,000 | 7,381,000 | 9,988,000 |
| Noninterest income | 493,000 | 1,082,000 | 1,733,000 | 2,308,000 |
| Noninterest expense | 1,945,000 | 4,015,000 | 6,128,000 | 8,456,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 605,000 |
| Pretax income | 806,000 | 1,629,000 | 2,524,000 | 3,257,000 |
| Income tax | 226,000 | 448,000 | 669,000 | 795,000 |
| Net income | 580,000 | 1,181,000 | 1,855,000 | 2,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,221,000 | 15,728,000 | 16,309,000 | 16,698,000 |
| Total capital | 16,724,000 | 17,379,000 | 18,091,000 | 18,440,000 |
| Risk-weighted assets | 151,613,000 | 160,076,000 | 159,461,000 | 168,200,000 |