Call reports 2005
GATEWAY BUSINESS BANK — 2005
What GATEWAY BUSINESS 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 | 226,312,000 | 183,018,000 | 194,101,000 | 165,974,000 |
| Total loans | 198,630,000 | 155,048,000 | 166,411,000 | 139,025,000 |
| Allowance for loan losses | 1,395,000 | 1,398,000 | 1,512,000 | 1,564,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 399,000 | 365,000 | 530,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,790,000 | 106,804,000 | 115,910,000 | 110,698,000 |
| Interest-bearing deposits | 76,550,000 | 78,185,000 | 85,183,000 | 87,275,000 |
| Noninterest-bearing deposits | 31,240,000 | 28,619,000 | 30,727,000 | 23,423,000 |
| Equity capital | 27,852,000 | 28,830,000 | 30,076,000 | 29,762,000 |
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 | 2,901,000 | 5,797,000 | 8,880,000 | 12,166,000 |
| Interest expense | 1,040,000 | 2,087,000 | 3,082,000 | 4,164,000 |
| Net interest income | 1,861,000 | 3,710,000 | 5,798,000 | 8,002,000 |
| Noninterest income | 11,004,000 | 23,150,000 | 35,829,000 | 45,623,000 |
| Noninterest expense | 11,632,000 | 23,944,000 | 36,520,000 | 48,598,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 375,000 |
| Pretax income | 1,233,000 | 2,916,000 | 5,057,000 | 4,652,000 |
| Income tax | 540,000 | 1,245,000 | 2,140,000 | 2,050,000 |
| Net income | 693,000 | 1,671,000 | 2,917,000 | 2,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,418,000 | 26,366,000 | 27,528,000 | 27,938,000 |
| Total capital | 26,879,000 | 27,830,000 | 29,106,000 | 29,568,000 |
| Risk-weighted assets | 166,307,000 | 154,560,000 | 165,812,000 | 156,769,000 |