PackageTrendsPeer
Letter portraitLegal landscape

Gateway Community Bank

Roscoe, IL · Cert 57275

FDIC · 2 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gateway Community Bank

Roscoe, IL · Cert 57275

FDIC · 2 branches

Q1 2019

$89.9MAssets
$69.8MLoans
$67.8MDeposits
$9.9MEquity
Loan mix
68%RE $31.7M28%C&I $13.2M4%Consumer $1.7MQ1 2018Q1 2019
Deposit mix
78%Interest-bearing $53.2M22%Noninterest $14.6MQ1 2018Q1 2019

NIM

4.11%Q1 ’174.09%Q1 ’184.53%Q1 ’19-6%+2%

Non-interest income vs. expense

3.24%Q1 ’172.99%Q1 ’183.83%Q1 ’19-9%+31%

Market Position · Rockford, IL · 2018 SOD (annual) · 0.6% share · #20 of 25 inst. · $0.0B of $6.2B

0.7% Winnebago
0.9% Rock

Executive Summary

  • Earnings: ROA of -0.13%, down 58 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.06% of loans (-107 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 11.07%, up 20 bps from a year ago.
  • Funding: loans stand at 103.08% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.13%-58 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+5 bps YoY

Efficiency Ratio (YTD, annualized)

106.90%+2,220 bps YoY

Tier 1 Leverage Ratio

11.07%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.45%0.39%0.35%0.46%-0.13%-58 bps
Return on Equity4.23%3.62%3.24%4.25%-1.13%-537 bps
Net Interest Margin3.28%3.22%3.23%3.25%3.33%+5 bps
Efficiency Ratio84.70%86.98%88.50%84.51%106.90%+2,220 bps
Non-Interest Burden2.73%2.75%2.81%2.68%3.57%+84 bps
Growth
Asset Growth (YoY)5.92%-2.08%0.43%0.37%-0.87%-678 bps
Loan Growth (YoY)7.53%4.04%2.61%4.94%3.31%-422 bps
Deposit Growth (YoY)4.04%-15.71%-13.80%-16.24%-10.84%-1,488 bps
Asset Quality
Nonperforming Loans / Loans1.13%0.95%0.66%0.04%0.06%-107 bps
Net Charge-Offs / Loans-0.15%0.08%0.24%0.17%-0.03%+12 bps
Allowance / Loans0.88%0.82%0.65%0.63%0.66%-23 bps
Allowance Coverage of NPLs0.8x0.9x1.0x16.8x11.7x+11.0x
Capital
Tier 1 Leverage Ratio10.87%10.79%11.01%10.99%11.07%+20 bps
Total Risk-Based Capital14.67%14.80%14.20%13.84%13.84%-83 bps
Equity / Assets10.52%11.06%10.69%11.08%11.01%+48 bps
Liquidity & Funding
Loans / Deposits88.96%103.97%102.33%109.66%103.08%+1,412 bps
Liquid Assets / Assets2.19%2.01%3.14%1.74%1.56%-63 bps
CRE / Total Capitaln/an/an/an/an/an/an/a