Call reports 2003
AMERICAN BANK OF SAINT PAUL — 2003
What AMERICAN BANK OF SAINT PAUL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 565,250,000 | 576,086,000 | 594,669,000 | 572,419,000 |
| Total loans | 412,192,000 | 425,252,000 | 426,943,000 | 432,809,000 |
| Allowance for loan losses | 5,072,000 | 5,158,000 | 5,265,000 | 5,359,000 |
| Securities available for sale | 32,226,000 | 31,885,000 | 36,127,000 | 36,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,152,000 | 436,978,000 | 443,595,000 | 435,865,000 |
| Interest-bearing deposits | 326,926,000 | 334,099,000 | 339,888,000 | 331,797,000 |
| Noninterest-bearing deposits | 104,226,000 | 102,879,000 | 103,707,000 | 104,068,000 |
| Equity capital | 69,563,000 | 71,585,000 | 72,878,000 | 74,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,551,000 | 15,839,000 | 23,337,000 | 30,906,000 |
| Interest expense | 2,082,000 | 4,145,000 | 6,144,000 | 7,963,000 |
| Net interest income | 5,469,000 | 11,694,000 | 17,193,000 | 22,943,000 |
| Noninterest income | 894,000 | 2,006,000 | 2,837,000 | 3,895,000 |
| Noninterest expense | 3,730,000 | 7,552,000 | 11,568,000 | 15,930,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 2,528,000 | 5,824,000 | 8,033,000 | 10,374,000 |
| Income tax | 919,000 | 2,191,000 | 2,960,000 | 3,770,000 |
| Net income | 1,609,000 | 3,633,000 | 5,073,000 | 6,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,157,000 | 57,235,000 | 58,805,000 | 60,402,000 |
| Total capital | 75,246,000 | 77,393,000 | 79,070,000 | 80,761,000 |
| Risk-weighted assets | 481,977,000 | 502,914,000 | 506,293,000 | 511,372,000 |