Institution Statistics
| Gateway Community Bank | | FDIC Certificate # | 57275 | | BankRate Report | View | | Year Established | 2002 | | Employees | 26 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $90.59 million | | Loans | $60.69 million | | Deposits | $81.45 million | | Equity Capital | $8.76 million | | Loan Loss Allowance | $1.08 million | | Unbacked Noncurrent Loans | $1.89 million | | Real Estate Owned | $1.32 million |
Historic Data - March 2011 | | Assets | $86.96 million | | Equity Capital | $8.38 million | | Loan Loss Allowance | $720,000 | | Unbacked Noncurrent Loans | $1.65 million | | Real Estate Owned | $808,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.36% | | Return on Assets | 0.4% | | Return on Equity | 4.01% | | Interest Income | $1.04 million |
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Institution Health
Overall Score:
3 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 Community Bank had $3.21 million in non-current loans and owned real-estate with $9.83 million in equity and loan loss allowances on hand to cover it. This gives Gateway Community Bank a Texas Ratio of 32.67% 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 Community Bank increased slightly from 27.01% as of March 31, 2011 to 32.67% as of March 31, 2012, resulting in a negative change of 20.98%. This indicates that the balance sheet and financial strength for Gateway Community Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Gateway Community Bank has increased its total deposits by $3.16 million, resulting in 4.04% 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 Community Bank has shown is above 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 Community Bank has $90.58 million in assets with $9.83 million in equity, resulting in a capitalization level of 10.86%, which is above average. |
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