Call reports 2006
GATEWAY BUSINESS BANK — 2006
What GATEWAY BUSINESS 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 | 165,083,000 | 186,885,000 | 194,125,000 | 187,593,000 |
| Total loans | 140,068,000 | 159,155,000 | 166,558,000 | 163,301,000 |
| Allowance for loan losses | 1,597,000 | 1,801,000 | 1,709,000 | 1,838,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 478,000 | 462,000 | 445,000 | 427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,595,000 | 114,708,000 | 113,100,000 | 113,145,000 |
| Interest-bearing deposits | 87,782,000 | 86,823,000 | 85,766,000 | 88,697,000 |
| Noninterest-bearing deposits | 26,813,000 | 27,885,000 | 27,334,000 | 24,448,000 |
| Equity capital | 30,023,000 | 30,631,000 | 30,906,000 | 31,262,000 |
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 | 3,192,000 | 6,754,000 | 10,603,000 | 14,432,000 |
| Interest expense | 911,000 | 2,118,000 | 3,392,000 | 4,887,000 |
| Net interest income | 2,281,000 | 4,636,000 | 7,211,000 | 9,545,000 |
| Noninterest income | 8,068,000 | 16,766,000 | 24,162,000 | 31,550,000 |
| Noninterest expense | 9,909,000 | 19,723,000 | 29,233,000 | 38,280,000 |
| Provision for loan losses | 0 | 200,000 | 200,000 | 400,000 |
| Pretax income | 440,000 | 1,479,000 | 1,940,000 | 2,415,000 |
| Income tax | 179,000 | 610,000 | 796,000 | 915,000 |
| Net income | 261,000 | 869,000 | 1,144,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,210,000 | 28,843,000 | 29,154,000 | 29,356,000 |
| Total capital | 29,873,000 | 30,710,000 | 30,929,000 | 31,260,000 |
| Risk-weighted assets | 151,855,000 | 159,560,000 | 171,176,000 | 221,639,000 |