Gateway Business Bank

18000 Studebaker Road, Suite 550
Cerritos, CA 90703
(562) 809-1473
www.gbbanker.com

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Gateway Business Bank is headquartered in Cerritos and is the 159^th largest bank in the state of California. It is also the 3,397^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 361 employees at 3 locations. Gateway Business Bank has a 4-star health rating.

Gateway Business Bank Routing Number: 122242490

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See Rates for: Checking | Savings | Money Market | CD | IRA

Gateway Business Bank Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$1k	-	NOW Checking

Gateway Business Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$20k	-	Regular Savings
0.25%	$500	-	IRA Savings Account

Gateway Business Bank Money Market Rates

	Apy	Min	Max	Product
	0.45%	$100k	-	Money Market

Gateway Business Bank CD Rates

Apy	Min	Max	Product
1.00%	$100k	-	5 Year Jumbo CD
1.00%	$10k	$100k	5 Year CD
0.85%	$100k	-	3-5 Year Jumbo CD
0.85%	$10k	$100k	3-5 Year CD
0.70%	$100k	-	2-3 Year Jumbo CD
0.70%	$10k	$100k	2-3 Year CD
0.65%	$100k	-	12-23 Month Jumbo CD
0.65%	$10k	$100k	12-23 Month CD
0.60%	$100k	-	6-11 Month Jumbo CD
0.60%	$10k	$100k	6-11 Month CD
0.15%	$100k	-	3-5 Month Jumbo CD
0.15%	$10k	$100k	3-5 Month CD
0.10%	$100k	-	1-2 Month Jumbo CD
0.10%	$10k	$100k	1-2 Month CD

Gateway Business Bank IRA Rates

Apy	Min	Max	Product
0.70%	$2k	-	2 Year IRA
0.65%	$2k	-	1 Year IRA
0.65%	$2k	-	18 Month IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Gateway Business Bank
FDIC Certificate #	34250
BankRate Report	View
Year Established	1997
Employees	361
Primary Regulator	FDIC
Assets and Liabilities
Assets	$179.63 million
Loans	$117.93 million
Deposits	$152.55 million
Equity Capital	$21.71 million
Loan Loss Allowance	$2.97 million
Unbacked Noncurrent Loans	$4.54 million
Real Estate Owned	$1.78 million
Historic Data - March 2011
Assets	$187.10 million
Equity Capital	$28.30 million
Loan Loss Allowance	$3.80 million
Unbacked Noncurrent Loans	$3.97 million
Real Estate Owned	$2.19 million
Profit Margin - Quarterly
Net Interest Margin	3.1%
Return on Assets	0.35%
Return on Equity	3.09%
Interest Income	$1.71 million

Institution Health

Overall Score:

4 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 Business Bank had $6.32 million in non-current loans and owned real-estate with $24.68 million in equity and loan loss allowances on hand to cover it. This gives Gateway Business Bank a Texas Ratio of 25.61% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Gateway Business Bank held steady from 23.29% as of March 31, 2011 to 25.61% as of March 31, 2012, resulting in a negative change of 9.98%. This indicates that the balance sheet and financial strength for Gateway Business Bank has held steady in recent periods.
Deposit Growth
In the past year, Gateway Business Bank has decreased its total deposits by -$1.48 million, resulting in -0.96% 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 Business Bank 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 Business Bank has $179.63 million in assets with $24.68 million in equity, resulting in a capitalization level of 13.74%, which is excellent.

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