Call reports 2004
AMERICAN GATEWAY BANK — 2004
What AMERICAN GATEWAY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 248,788,000 | 254,033,000 | 263,720,000 | 279,563,000 |
| Total loans | 174,451,000 | 176,787,000 | 189,339,000 | 195,891,000 |
| Allowance for loan losses | 1,893,000 | 1,993,000 | 2,085,000 | 1,974,000 |
| Securities available for sale | 55,709,000 | 57,563,000 | 53,305,000 | 59,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,481,000 | 184,042,000 | 185,398,000 | 194,244,000 |
| Interest-bearing deposits | 140,079,000 | 145,856,000 | 146,247,000 | 155,363,000 |
| Noninterest-bearing deposits | 37,402,000 | 38,186,000 | 39,151,000 | 38,881,000 |
| Equity capital | 18,348,000 | 17,686,000 | 19,382,000 | 19,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,456,000 | 7,017,000 | 10,736,000 | 14,460,000 |
| Interest expense | 851,000 | 1,734,000 | 2,747,000 | 3,842,000 |
| Net interest income | 2,605,000 | 5,283,000 | 7,989,000 | 10,618,000 |
| Noninterest income | 619,000 | 1,526,000 | 2,187,000 | 2,803,000 |
| Noninterest expense | 2,180,000 | 4,410,000 | 6,675,000 | 8,762,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 936,000 | 2,095,000 | 3,163,000 | 4,274,000 |
| Income tax | 234,000 | 527,000 | 798,000 | 1,123,000 |
| Net income | 702,000 | 1,568,000 | 2,365,000 | 3,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,296,000 | 18,058,000 | 18,752,000 | 19,308,000 |
| Total capital | 19,189,000 | 20,051,000 | 20,837,000 | 21,283,000 |
| Risk-weighted assets | 170,725,000 | 174,214,000 | 185,820,000 | 195,419,000 |