Call reports 2005
GATES BANKING AND TRUST COMPANY — 2005
What GATES BANKING AND TRUST COMPANY 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 | 30,398,000 | 28,964,000 | 29,971,000 | 31,364,000 |
| Total loans | 10,591,000 | 11,840,000 | 13,443,000 | 12,065,000 |
| Allowance for loan losses | 303,000 | 303,000 | 302,000 | 302,000 |
| Securities available for sale | 12,345,000 | 13,202,000 | 12,587,000 | 11,811,000 |
| Securities held to maturity | 193,000 | 193,000 | 192,000 | 191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,734,000 | 25,048,000 | 25,190,000 | 27,688,000 |
| Interest-bearing deposits | 24,090,000 | 22,818,000 | 22,882,000 | 24,846,000 |
| Noninterest-bearing deposits | 2,644,000 | 2,230,000 | 2,308,000 | 2,842,000 |
| Equity capital | 3,299,000 | 3,373,000 | 3,421,000 | 3,278,000 |
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 | 327,000 | 668,000 | 1,039,000 | 1,422,000 |
| Interest expense | 118,000 | 244,000 | 389,000 | 557,000 |
| Net interest income | 209,000 | 424,000 | 650,000 | 865,000 |
| Noninterest income | 42,000 | 71,000 | 132,000 | 161,000 |
| Noninterest expense | 185,000 | 371,000 | 560,000 | 738,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 66,000 | 124,000 | 222,000 | 288,000 |
| Income tax | 14,000 | 23,000 | 49,000 | 63,000 |
| Net income | 52,000 | 101,000 | 173,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,334,000 | 3,382,000 | 3,455,000 | 3,357,000 |
| Total capital | 3,527,000 | 3,559,000 | 3,670,000 | 3,562,000 |
| Risk-weighted assets | 15,310,000 | 14,011,000 | 17,141,000 | 16,337,000 |