Call reports 2012
AMERICAN GATEWAY BANK — 2012
What AMERICAN GATEWAY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 426,286,000 | 401,630,000 | 400,995,000 | 404,325,000 |
| Total loans | 222,284,000 | 212,094,000 | 207,981,000 | 207,187,000 |
| Allowance for loan losses | 3,885,000 | 3,757,000 | 3,502,000 | 3,350,000 |
| Securities available for sale | 146,560,000 | 139,821,000 | 138,772,000 | 127,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,281,000 | 268,500,000 | 266,034,000 | 277,142,000 |
| Interest-bearing deposits | 222,925,000 | 202,315,000 | 194,361,000 | 202,723,000 |
| Noninterest-bearing deposits | 69,356,000 | 66,185,000 | 71,673,000 | 74,419,000 |
| Equity capital | 40,157,000 | 41,312,000 | 42,135,000 | 42,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,535,000 | 8,879,000 | 12,992,000 | 17,085,000 |
| Interest expense | 1,251,000 | 2,438,000 | 3,541,000 | 4,513,000 |
| Net interest income | 3,284,000 | 6,441,000 | 9,451,000 | 12,572,000 |
| Noninterest income | 145,000 | 748,000 | 1,671,000 | 2,483,000 |
| Noninterest expense | 3,256,000 | 6,635,000 | 10,090,000 | 13,340,000 |
| Provision for loan losses | -300,000 | -250,000 | -250,000 | -250,000 |
| Pretax income | 461,000 | 795,000 | 1,184,000 | 1,951,000 |
| Income tax | -3,000 | -21,000 | -21,000 | 36,000 |
| Net income | 464,000 | 816,000 | 1,205,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,439,000 | 37,791,000 | 38,180,000 | 38,890,000 |
| Total capital | 40,726,000 | 40,918,000 | 41,226,000 | 41,885,000 |
| Risk-weighted assets | 257,743,000 | 244,880,000 | 238,823,000 | 234,953,000 |