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 | 45,321,000 | 53,271,000 | 66,999,000 | 75,373,000 |
| Total loans | 19,416,000 | 25,095,000 | 29,509,000 | 33,862,000 |
| Allowance for loan losses | 291,000 | 358,000 | 421,000 | 484,000 |
| Securities available for sale | 20,914,000 | 24,432,000 | 32,868,000 | 37,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,924,000 | 36,594,000 | 44,003,000 | 49,021,000 |
| Interest-bearing deposits | 29,123,000 | 31,607,000 | 37,624,000 | 42,214,000 |
| Noninterest-bearing deposits | 1,801,000 | 4,987,000 | 6,379,000 | 6,807,000 |
| Equity capital | 14,338,000 | 14,077,000 | 13,832,000 | 13,660,000 |
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 | 405,000 | 935,000 | 1,563,000 | 2,312,000 |
| Interest expense | 175,000 | 382,000 | 644,000 | 953,000 |
| Net interest income | 230,000 | 553,000 | 919,000 | 1,359,000 |
| Noninterest income | 11,000 | 14,000 | 47,000 | 62,000 |
| Noninterest expense | 537,000 | 1,084,000 | 1,633,000 | 2,210,000 |
| Provision for loan losses | 107,000 | 173,000 | 236,000 | 299,000 |
| Pretax income | -403,000 | -690,000 | -903,000 | -1,088,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -403,000 | -690,000 | -903,000 | -1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,390,000 | 14,117,000 | 13,910,000 | 13,732,000 |
| Total capital | 14,681,000 | 14,475,000 | 14,331,000 | 14,216,000 |
| Risk-weighted assets | 22,539,000 | 28,029,000 | 33,731,000 | 38,115,000 |