Gateway Bank, FSB

Gateway Bank, FSB is headquartered in San Francisco and is the 126^th largest bank in the state of California. It is also the 2,411^st largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 65 employees at 3 locations. Gateway Bank, FSB has a 2-star health rating.

Data for Q1 2012

Institution Statistics Gateway Bank, F.S.B. OTS # 08857 FDIC Certificate # 33103 BankRate Report View Year Established 1990 Employees 65 Primary Regulator OCC Assets and Liabilities Assets $267.49 million Loans $154.05 million Deposits $251.70 million Equity Capital $12.07 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $7.56 million Real Estate Owned $2.44 million Historic Data - March 2011 Assets $277.26 million Equity Capital $21.25 million Loan Loss Allowance $5.25 million Unbacked Noncurrent Loans $12.96 million Real Estate Owned $3.60 million Profit Margin - Quarterly Net Interest Margin 6.11% Return on Assets 0.05% Return on Equity 1.07% Interest Income $4.14 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Gateway Bank, FSB had $10 million in non-current loans and owned real-estate with $16.05 million in equity and loan loss allowances on hand to cover it. This gives Gateway Bank, FSB a Texas Ratio of 62.28% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Gateway Bank, FSB held steady from 62.48% as of March 31, 2011 to 62.28% as of March 31, 2012, resulting in a positive change of 0.32%.This indicates that the balance sheet and financial strength for Gateway Bank, FSB has held steady in recent periods. Deposit Growth In the past year, Gateway Bank, FSB has decreased its total deposits by -$1.53 million, resulting in -0.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gateway Bank, FSB has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gateway Bank, FSB has $267.49 million in assets with $16.05 million in equity, resulting in a capitalization level of 6.00%, which is below average.

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