Call reports 2011
AMERICAN GATEWAY BANK — 2011
What AMERICAN GATEWAY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 452,095,000 | 434,669,000 | 433,747,000 | 448,904,000 |
| Total loans | 266,103,000 | 255,331,000 | 242,464,000 | 235,440,000 |
| Allowance for loan losses | 5,051,000 | 4,851,000 | 4,106,000 | 4,328,000 |
| Securities available for sale | 117,996,000 | 128,217,000 | 137,082,000 | 144,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,412,000 | 299,906,000 | 296,748,000 | 314,139,000 |
| Interest-bearing deposits | 241,551,000 | 233,625,000 | 225,819,000 | 239,237,000 |
| Noninterest-bearing deposits | 65,861,000 | 66,281,000 | 70,929,000 | 74,902,000 |
| Equity capital | 37,540,000 | 37,326,000 | 39,639,000 | 40,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,026,000 | 9,944,000 | 14,701,000 | 19,376,000 |
| Interest expense | 1,466,000 | 2,910,000 | 4,260,000 | 5,565,000 |
| Net interest income | 3,560,000 | 7,034,000 | 10,441,000 | 13,811,000 |
| Noninterest income | 637,000 | 1,211,000 | 1,882,000 | 2,550,000 |
| Noninterest expense | 3,239,000 | 6,812,000 | 9,795,000 | 13,049,000 |
| Provision for loan losses | 550,000 | 1,280,000 | 2,980,000 | 3,380,000 |
| Pretax income | 394,000 | -836,000 | -1,441,000 | -1,132,000 |
| Income tax | -3,000 | -3,000 | -921,000 | -1,012,000 |
| Net income | 397,000 | -833,000 | -520,000 | -120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,491,000 | 36,262,000 | 36,575,000 | 36,975,000 |
| Total capital | 41,216,000 | 39,822,000 | 40,137,000 | 40,419,000 |
| Risk-weighted assets | 296,667,000 | 283,735,000 | 279,250,000 | 270,025,000 |