Call reports 2007
AMERICAN GATEWAY BANK — 2007
What AMERICAN GATEWAY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 349,788,000 | 366,408,000 | 365,102,000 | 396,920,000 |
| Total loans | 253,405,000 | 262,570,000 | 264,338,000 | 267,282,000 |
| Allowance for loan losses | 2,793,000 | 2,851,000 | 2,637,000 | 2,245,000 |
| Securities available for sale | 68,164,000 | 69,626,000 | 78,205,000 | 99,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,826,000 | 266,370,000 | 270,397,000 | 269,754,000 |
| Interest-bearing deposits | 204,742,000 | 200,520,000 | 205,961,000 | 209,249,000 |
| Noninterest-bearing deposits | 68,084,000 | 65,850,000 | 64,436,000 | 60,505,000 |
| Equity capital | 26,782,000 | 26,894,000 | 28,482,000 | 30,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,102,000 | 12,441,000 | 18,895,000 | 25,542,000 |
| Interest expense | 2,505,000 | 5,196,000 | 7,999,000 | 10,742,000 |
| Net interest income | 3,597,000 | 7,245,000 | 10,896,000 | 14,800,000 |
| Noninterest income | 858,000 | 1,687,000 | 2,547,000 | 3,491,000 |
| Noninterest expense | 2,693,000 | 5,464,000 | 8,119,000 | 10,902,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 1,567,000 | 3,078,000 | 4,739,000 | 6,609,000 |
| Income tax | 391,000 | 758,000 | 1,161,000 | 1,636,000 |
| Net income | 1,176,000 | 2,320,000 | 3,578,000 | 4,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,046,000 | 28,055,000 | 29,179,000 | 30,313,000 |
| Total capital | 29,839,000 | 30,906,000 | 31,816,000 | 32,558,000 |
| Risk-weighted assets | 254,898,000 | 265,537,000 | 269,061,000 | 281,161,000 |