Institution Statistics
| Gateway Bank & Trust | | FDIC Certificate # | 34239 | | BankRate Report | View | | Year Established | 1997 | | Employees | 64 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $251.10 million | | Loans | $142.39 million | | Deposits | $223.93 million | | Equity Capital | $21.13 million | | Loan Loss Allowance | $6.07 million | | Unbacked Noncurrent Loans | $5.93 million | | Real Estate Owned | $4.95 million |
Historic Data - March 2011 | | Assets | $271.69 million | | Equity Capital | $25.49 million | | Loan Loss Allowance | $4.36 million | | Unbacked Noncurrent Loans | $7.87 million | | Real Estate Owned | $2.80 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.94% | | Return on Assets | -2.58% | | Return on Equity | -29.7% | | Interest Income | $2.52 million |
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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 & Trust had $10.88 million in non-current loans and owned real-estate with $27.2 million in equity and loan loss allowances on hand to cover it. This gives Gateway Bank & Trust a Texas Ratio of 40.01% 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 & Trust held steady from 35.76% as of March 31, 2011 to 40.01% as of March 31, 2012, resulting in a negative change of 11.88%. This indicates that the balance sheet and financial strength for Gateway Bank & Trust has held steady in recent periods. | | Deposit Growth |  | | In the past year, Gateway Bank & Trust has decreased its total deposits by -$15.54 million, resulting in -6.49% 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 & Trust has shown is poor. | | 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 & Trust has $251.1 million in assets with $27.2 million in equity, resulting in a capitalization level of 10.83%, which is above average. |
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