Call reports 2014
AMERICAN GATEWAY BANK — 2014
What AMERICAN GATEWAY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 377,340,000 | 367,456,000 | 362,240,000 | 366,156,000 |
| Total loans | 172,869,000 | 173,658,000 | 168,572,000 | 159,076,000 |
| Allowance for loan losses | 2,136,000 | 2,127,000 | 2,036,000 | 2,064,000 |
| Securities available for sale | 125,155,000 | 120,945,000 | 115,657,000 | 121,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,527,000 | 264,395,000 | 259,228,000 | 278,393,000 |
| Interest-bearing deposits | 197,799,000 | 190,459,000 | 186,361,000 | 201,242,000 |
| Noninterest-bearing deposits | 77,728,000 | 73,936,000 | 72,867,000 | 77,151,000 |
| Equity capital | 42,429,000 | 43,474,000 | 44,076,000 | 44,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,405,000 | 6,711,000 | 9,981,000 | 13,153,000 |
| Interest expense | 627,000 | 1,248,000 | 1,856,000 | 2,396,000 |
| Net interest income | 2,778,000 | 5,463,000 | 8,125,000 | 10,757,000 |
| Noninterest income | 630,000 | 1,376,000 | 1,949,000 | 2,603,000 |
| Noninterest expense | 2,928,000 | 5,955,000 | 8,657,000 | 11,460,000 |
| Provision for loan losses | 125,000 | 200,000 | 250,000 | 250,000 |
| Pretax income | 439,000 | 978,000 | 1,469,000 | 2,473,000 |
| Income tax | 2,000 | 0 | 0 | 261,000 |
| Net income | 437,000 | 978,000 | 1,469,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,948,000 | 41,434,000 | 41,870,000 | 42,559,000 |
| Total capital | 43,084,000 | 43,561,000 | 43,906,000 | 44,623,000 |
| Risk-weighted assets | 201,321,000 | 200,515,000 | 193,942,000 | 185,466,000 |