Call reports 2005
GATEWAY BANK — 2005
What GATEWAY 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 | 29,029,000 | 34,608,000 | 35,100,000 | 40,196,000 |
| Total loans | 22,842,000 | 26,971,000 | 28,513,000 | 32,420,000 |
| Allowance for loan losses | 229,000 | 271,000 | 291,000 | 325,000 |
| Securities available for sale | 1,000,000 | 1,518,000 | 1,963,000 | 2,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,270,000 | 29,766,000 | 30,090,000 | 35,011,000 |
| Interest-bearing deposits | 19,350,000 | 23,981,000 | 24,334,000 | 29,298,000 |
| Noninterest-bearing deposits | 4,920,000 | 5,785,000 | 5,756,000 | 5,714,000 |
| Equity capital | 4,660,000 | 4,701,000 | 4,802,000 | 4,935,000 |
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 | 399,000 | 893,000 | 1,487,000 | 2,194,000 |
| Interest expense | 87,000 | 201,000 | 347,000 | 541,000 |
| Net interest income | 312,000 | 692,000 | 1,140,000 | 1,653,000 |
| Noninterest income | 8,000 | 15,000 | 23,000 | 34,000 |
| Noninterest expense | 291,000 | 588,000 | 900,000 | 1,224,000 |
| Provision for loan losses | 27,000 | 69,000 | 89,000 | 123,000 |
| Pretax income | 2,000 | 50,000 | 174,000 | 340,000 |
| Income tax | 1,000 | 11,000 | 33,000 | 65,000 |
| Net income | 1,000 | 39,000 | 141,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,561,000 | 4,611,000 | 4,735,000 | 4,899,000 |
| Total capital | 4,790,000 | 4,882,000 | 5,026,000 | 5,224,000 |
| Risk-weighted assets | 26,136,000 | 30,830,000 | 32,140,000 | 35,817,000 |