Call reports 2013
AMERICAN GATEWAY BANK — 2013
What AMERICAN GATEWAY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 396,116,000 | 377,471,000 | 374,689,000 | 383,604,000 |
| Total loans | 202,612,000 | 194,548,000 | 187,135,000 | 173,785,000 |
| Allowance for loan losses | 3,276,000 | 2,859,000 | 2,195,000 | 2,107,000 |
| Securities available for sale | 125,453,000 | 113,054,000 | 110,266,000 | 121,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,520,000 | 265,113,000 | 262,152,000 | 275,183,000 |
| Interest-bearing deposits | 199,161,000 | 193,324,000 | 186,956,000 | 199,036,000 |
| Noninterest-bearing deposits | 70,359,000 | 71,789,000 | 75,196,000 | 76,147,000 |
| Equity capital | 43,004,000 | 41,516,000 | 41,494,000 | 41,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,970,000 | 7,727,000 | 11,334,000 | 14,849,000 |
| Interest expense | 869,000 | 1,674,000 | 2,411,000 | 3,072,000 |
| Net interest income | 3,101,000 | 6,053,000 | 8,923,000 | 11,777,000 |
| Noninterest income | 677,000 | 1,401,000 | 2,189,000 | 2,827,000 |
| Noninterest expense | 3,094,000 | 6,382,000 | 9,514,000 | 12,432,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 400,000 |
| Pretax income | 597,000 | 1,086,000 | 1,462,000 | 1,978,000 |
| Income tax | 53,000 | 71,000 | 51,000 | 84,000 |
| Net income | 544,000 | 1,015,000 | 1,411,000 | 1,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,434,000 | 39,795,000 | 40,137,000 | 40,565,000 |
| Total capital | 42,371,000 | 42,544,000 | 42,332,000 | 42,672,000 |
| Risk-weighted assets | 231,213,000 | 219,807,000 | 210,529,000 | 199,791,000 |