Call reports 2004
GATEWAY BUSINESS BANK — 2004
What GATEWAY BUSINESS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 156,265,000 | 179,777,000 | 185,178,000 | 218,094,000 |
| Total loans | 130,484,000 | 162,109,000 | 165,800,000 | 196,709,000 |
| Allowance for loan losses | 1,148,000 | 1,248,000 | 1,231,000 | 1,336,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 637,000 | 542,000 | 487,000 | 441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,045,000 | 93,079,000 | 89,358,000 | 94,631,000 |
| Interest-bearing deposits | 63,060,000 | 63,216,000 | 60,865,000 | 69,601,000 |
| Noninterest-bearing deposits | 33,985,000 | 29,863,000 | 28,493,000 | 25,030,000 |
| Equity capital | 24,555,000 | 26,319,000 | 26,681,000 | 27,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,816,000 | 4,107,000 | 6,737,000 | 9,615,000 |
| Interest expense | 347,000 | 834,000 | 1,507,000 | 2,325,000 |
| Net interest income | 1,469,000 | 3,273,000 | 5,230,000 | 7,290,000 |
| Noninterest income | 9,661,000 | 22,327,000 | 32,338,000 | 42,998,000 |
| Noninterest expense | 9,781,000 | 21,227,000 | 32,575,000 | 44,649,000 |
| Provision for loan losses | 54,000 | 154,000 | 154,000 | 254,000 |
| Pretax income | 1,295,000 | 4,219,000 | 4,839,000 | 5,385,000 |
| Income tax | 408,000 | 1,568,000 | 1,825,000 | 1,893,000 |
| Net income | 887,000 | 2,651,000 | 3,014,000 | 3,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,961,000 | 23,712,000 | 24,090,000 | 24,707,000 |
| Total capital | 23,175,000 | 25,026,000 | 25,387,000 | 26,109,000 |
| Risk-weighted assets | 128,579,000 | 141,040,000 | 140,700,000 | 159,528,000 |