Call reports 2002
AMERICAN BANK OF SAINT PAUL — 2002
What AMERICAN BANK OF SAINT PAUL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 143,024,000 | 137,084,000 | 559,581,000 | 595,511,000 |
| Total loans | 112,940,000 | 112,192,000 | 413,490,000 | 397,853,000 |
| Allowance for loan losses | 1,308,000 | 1,352,000 | 5,072,000 | 5,009,000 |
| Securities available for sale | 4,788,000 | 4,861,000 | 45,910,000 | 36,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,463,000 | 122,271,000 | 427,204,000 | 451,854,000 |
| Interest-bearing deposits | 90,629,000 | 82,430,000 | 328,029,000 | 334,585,000 |
| Noninterest-bearing deposits | 37,834,000 | 39,841,000 | 99,175,000 | 117,269,000 |
| Equity capital | 13,619,000 | 14,204,000 | 68,643,000 | 71,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,260,000 | 4,539,000 | 21,005,000 | 28,533,000 |
| Interest expense | 494,000 | 931,000 | 6,804,000 | 7,146,000 |
| Net interest income | 1,766,000 | 3,608,000 | 14,201,000 | 21,387,000 |
| Noninterest income | 950,000 | 1,199,000 | 2,583,000 | 3,368,000 |
| Noninterest expense | 1,294,000 | 2,477,000 | 9,987,000 | 13,719,000 |
| Provision for loan losses | 275,000 | 319,000 | 407,000 | 473,000 |
| Pretax income | 1,147,000 | 2,011,000 | 6,133,000 | 10,465,000 |
| Income tax | 463,000 | 801,000 | 2,236,000 | 3,901,000 |
| Net income | 684,000 | 1,210,000 | 3,897,000 | 6,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,981,000 | 13,507,000 | 56,996,000 | 56,757,000 |
| Total capital | 14,289,000 | 14,859,000 | 77,073,000 | 76,783,000 |
| Risk-weighted assets | 119,567,000 | 119,839,000 | 481,551,000 | 476,022,000 |