Call reports 2005
GATEWAY COMMUNITY BANK — 2005
What GATEWAY COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 57,091,000 | 59,828,000 | 54,182,000 | 53,847,000 |
| Total loans | 41,287,000 | 43,242,000 | 44,068,000 | 41,952,000 |
| Allowance for loan losses | 436,000 | 492,000 | 660,000 | 557,000 |
| Securities available for sale | 5,587,000 | 5,632,000 | 5,611,000 | 7,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,457,000 | 52,003,000 | 46,387,000 | 46,103,000 |
| Interest-bearing deposits | 39,674,000 | 35,461,000 | 40,875,000 | 40,654,000 |
| Noninterest-bearing deposits | 9,783,000 | 16,542,000 | 5,513,000 | 5,449,000 |
| Equity capital | 7,462,000 | 7,607,000 | 7,605,000 | 7,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 751,000 | 1,552,000 | 2,366,000 | 3,208,000 |
| Interest expense | 224,000 | 459,000 | 753,000 | 1,094,000 |
| Net interest income | 527,000 | 1,093,000 | 1,613,000 | 2,114,000 |
| Noninterest income | 28,000 | 46,000 | 70,000 | 89,000 |
| Noninterest expense | 374,000 | 763,000 | 1,158,000 | 1,605,000 |
| Provision for loan losses | 30,000 | 111,000 | 282,000 | 367,000 |
| Pretax income | 151,000 | 265,000 | 243,000 | 231,000 |
| Income tax | 30,000 | 43,000 | 4,000 | 0 |
| Net income | 121,000 | 222,000 | 239,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,573,000 | 7,674,000 | 7,692,000 | 7,682,000 |
| Total capital | 8,009,000 | 8,166,000 | 8,249,000 | 8,229,000 |
| Risk-weighted assets | 42,219,000 | 44,256,000 | 43,701,000 | 42,973,000 |