Call reports 2006
GATEWAY COMMUNITY BANK — 2006
What GATEWAY COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,820,000 | 52,963,000 | 53,280,000 | 54,399,000 |
| Total loans | 41,523,000 | 41,908,000 | 39,366,000 | 38,969,000 |
| Allowance for loan losses | 487,000 | 464,000 | 480,000 | 525,000 |
| Securities available for sale | 6,618,000 | 6,597,000 | 7,669,000 | 9,714,000 |
| Securities held to maturity | 500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,072,000 | 45,252,000 | 45,893,000 | 47,494,000 |
| Interest-bearing deposits | 41,403,000 | 39,690,000 | 40,676,000 | 41,959,000 |
| Noninterest-bearing deposits | 5,669,000 | 5,562,000 | 5,216,000 | 5,535,000 |
| Equity capital | 7,559,000 | 7,484,000 | 7,122,000 | 6,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 815,000 | 1,677,000 | 2,551,000 | 3,446,000 |
| Interest expense | 350,000 | 719,000 | 1,121,000 | 1,565,000 |
| Net interest income | 465,000 | 958,000 | 1,430,000 | 1,881,000 |
| Noninterest income | 23,000 | 40,000 | 56,000 | 87,000 |
| Noninterest expense | 448,000 | 956,000 | 1,795,000 | 2,771,000 |
| Provision for loan losses | 25,000 | 55,000 | 140,000 | 185,000 |
| Pretax income | 15,000 | -13,000 | -449,000 | -988,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,000 | -13,000 | -449,000 | -988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,697,000 | 7,668,000 | 7,233,000 | 6,722,000 |
| Total capital | 8,184,000 | 8,132,000 | 7,713,000 | 7,247,000 |
| Risk-weighted assets | 43,153,000 | 43,044,000 | 41,941,000 | 41,488,000 |