Call reports 2006
AMERICAN GATEWAY BANK — 2006
What AMERICAN GATEWAY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 322,025,000 | 316,314,000 | 332,607,000 | 346,711,000 |
| Total loans | 229,708,000 | 229,002,000 | 243,597,000 | 246,007,000 |
| Allowance for loan losses | 2,345,000 | 2,491,000 | 2,707,000 | 2,648,000 |
| Securities available for sale | 65,178,000 | 66,626,000 | 64,961,000 | 67,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,003,000 | 243,679,000 | 251,072,000 | 265,882,000 |
| Interest-bearing deposits | 171,693,000 | 171,135,000 | 189,264,000 | 206,522,000 |
| Noninterest-bearing deposits | 66,310,000 | 72,544,000 | 61,808,000 | 59,360,000 |
| Equity capital | 22,355,000 | 22,933,000 | 24,860,000 | 25,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,226,000 | 10,740,000 | 16,564,000 | 22,611,000 |
| Interest expense | 1,775,000 | 3,619,000 | 5,840,000 | 8,234,000 |
| Net interest income | 3,451,000 | 7,121,000 | 10,724,000 | 14,377,000 |
| Noninterest income | 712,000 | 1,426,000 | 2,355,000 | 3,266,000 |
| Noninterest expense | 2,537,000 | 5,068,000 | 7,764,000 | 10,438,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 1,431,000 | 3,089,000 | 4,675,000 | 6,370,000 |
| Income tax | 375,000 | 797,000 | 1,146,000 | 1,812,000 |
| Net income | 1,056,000 | 2,292,000 | 3,529,000 | 4,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,002,000 | 25,295,000 | 25,226,000 | 26,006,000 |
| Total capital | 25,347,000 | 27,786,000 | 27,933,000 | 28,654,000 |
| Risk-weighted assets | 233,898,000 | 240,051,000 | 247,446,000 | 249,971,000 |