Call reports 2005
AMERICAN GATEWAY BANK — 2005
What AMERICAN GATEWAY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 286,574,000 | 296,325,000 | 313,942,000 | 338,046,000 |
| Total loans | 204,994,000 | 210,163,000 | 217,677,000 | 224,125,000 |
| Allowance for loan losses | 2,155,000 | 2,233,000 | 2,228,000 | 2,183,000 |
| Securities available for sale | 58,962,000 | 62,234,000 | 55,877,000 | 57,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,709,000 | 204,966,000 | 219,763,000 | 249,536,000 |
| Interest-bearing deposits | 152,803,000 | 161,555,000 | 162,253,000 | 189,094,000 |
| Noninterest-bearing deposits | 40,906,000 | 43,411,000 | 57,510,000 | 60,442,000 |
| Equity capital | 19,733,000 | 20,629,000 | 21,283,000 | 21,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,905,000 | 8,189,000 | 12,785,000 | 17,779,000 |
| Interest expense | 1,221,000 | 2,634,000 | 4,245,000 | 5,948,000 |
| Net interest income | 2,684,000 | 5,555,000 | 8,540,000 | 11,831,000 |
| Noninterest income | 609,000 | 1,229,000 | 1,841,000 | 2,532,000 |
| Noninterest expense | 2,354,000 | 4,689,000 | 7,015,000 | 9,359,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 450,000 |
| Pretax income | 789,000 | 1,793,000 | 2,978,000 | 4,566,000 |
| Income tax | 188,000 | 425,000 | 713,000 | 1,222,000 |
| Net income | 601,000 | 1,368,000 | 2,265,000 | 3,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,795,000 | 20,448,000 | 21,231,000 | 22,071,000 |
| Total capital | 21,950,000 | 22,681,000 | 23,459,000 | 24,254,000 |
| Risk-weighted assets | 202,801,000 | 210,454,000 | 217,818,000 | 227,803,000 |