Call reports 2010
AMERICAN GATEWAY BANK — 2010
What AMERICAN GATEWAY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 462,379,000 | 444,419,000 | 443,455,000 | 446,827,000 |
| Total loans | 306,455,000 | 299,797,000 | 288,794,000 | 279,216,000 |
| Allowance for loan losses | 4,172,000 | 4,514,000 | 4,691,000 | 4,939,000 |
| Securities available for sale | 115,044,000 | 107,745,000 | 105,437,000 | 115,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,487,000 | 296,797,000 | 291,676,000 | 301,798,000 |
| Interest-bearing deposits | 248,959,000 | 236,630,000 | 232,114,000 | 242,322,000 |
| Noninterest-bearing deposits | 62,528,000 | 60,167,000 | 59,562,000 | 59,476,000 |
| Equity capital | 36,716,000 | 36,759,000 | 37,626,000 | 36,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,802,000 | 11,455,000 | 16,859,000 | 22,097,000 |
| Interest expense | 1,677,000 | 3,264,000 | 4,832,000 | 6,352,000 |
| Net interest income | 4,125,000 | 8,191,000 | 12,027,000 | 15,745,000 |
| Noninterest income | 693,000 | 1,410,000 | 2,046,000 | 2,736,000 |
| Noninterest expense | 3,503,000 | 7,042,000 | 10,366,000 | 13,399,000 |
| Provision for loan losses | 800,000 | 1,800,000 | 3,630,000 | 4,530,000 |
| Pretax income | 708,000 | 1,322,000 | 658,000 | 1,220,000 |
| Income tax | 67,000 | 184,000 | 0 | -110,000 |
| Net income | 641,000 | 1,138,000 | 658,000 | 1,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,992,000 | 37,353,000 | 36,738,000 | 37,236,000 |
| Total capital | 41,164,000 | 41,405,000 | 40,794,000 | 41,146,000 |
| Risk-weighted assets | 334,210,000 | 332,281,000 | 323,853,000 | 311,793,000 |