Call reports 2009
AMERICAN GATEWAY BANK — 2009
What AMERICAN GATEWAY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 435,071,000 | 451,809,000 | 450,138,000 | 474,865,000 |
| Total loans | 304,876,000 | 319,717,000 | 320,994,000 | 314,227,000 |
| Allowance for loan losses | 2,893,000 | 3,294,000 | 3,634,000 | 4,089,000 |
| Securities available for sale | 97,538,000 | 101,066,000 | 88,554,000 | 106,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,974,000 | 305,673,000 | 300,844,000 | 321,569,000 |
| Interest-bearing deposits | 229,649,000 | 241,940,000 | 235,059,000 | 258,658,000 |
| Noninterest-bearing deposits | 64,325,000 | 63,733,000 | 65,785,000 | 62,911,000 |
| Equity capital | 31,697,000 | 32,997,000 | 35,776,000 | 35,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,762,000 | 12,018,000 | 17,990,000 | 24,010,000 |
| Interest expense | 1,787,000 | 3,547,000 | 5,235,000 | 6,985,000 |
| Net interest income | 3,975,000 | 8,471,000 | 12,755,000 | 17,025,000 |
| Noninterest income | 736,000 | 1,562,000 | 2,445,000 | 3,116,000 |
| Noninterest expense | 3,187,000 | 7,004,000 | 10,293,000 | 13,157,000 |
| Provision for loan losses | 225,000 | 450,000 | 825,000 | 2,415,000 |
| Pretax income | 1,307,000 | 2,636,000 | 4,185,000 | 4,307,000 |
| Income tax | 219,000 | 514,000 | 794,000 | 657,000 |
| Net income | 1,088,000 | 2,122,000 | 3,391,000 | 3,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,463,000 | 35,363,000 | 36,497,000 | 36,485,000 |
| Total capital | 37,356,000 | 38,657,000 | 40,131,000 | 40,574,000 |
| Risk-weighted assets | 344,150,000 | 347,133,000 | 341,469,000 | 339,185,000 |