Call reports 2004
AMERICAN BANK OF SAINT PAUL — 2004
What AMERICAN BANK OF SAINT PAUL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 565,189,000 | 602,641,000 | 658,907,000 | 637,711,000 |
| Total loans | 462,287,000 | 485,919,000 | 524,537,000 | 495,674,000 |
| Allowance for loan losses | 5,545,000 | 5,914,000 | 6,661,000 | 6,743,000 |
| Securities available for sale | 32,989,000 | 34,181,000 | 46,298,000 | 44,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,717,000 | 438,777,000 | 503,613,000 | 489,887,000 |
| Interest-bearing deposits | 329,856,000 | 399,767,000 | 419,574,000 | 378,648,000 |
| Noninterest-bearing deposits | 99,861,000 | 39,010,000 | 84,039,000 | 111,239,000 |
| Equity capital | 74,727,000 | 73,294,000 | 74,613,000 | 74,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,236,000 | 15,243,000 | 23,719,000 | 32,547,000 |
| Interest expense | 1,822,000 | 3,680,000 | 5,621,000 | 7,662,000 |
| Net interest income | 5,414,000 | 11,563,000 | 18,098,000 | 24,885,000 |
| Noninterest income | 844,000 | 1,845,000 | 3,265,000 | 6,578,000 |
| Noninterest expense | 3,814,000 | 8,231,000 | 13,114,000 | 18,889,000 |
| Provision for loan losses | 150,000 | 500,000 | 680,000 | 1,975,000 |
| Pretax income | 2,294,000 | 4,677,000 | 7,569,000 | 10,599,000 |
| Income tax | -1,745,000 | -1,745,000 | -1,726,000 | -1,747,000 |
| Net income | 4,039,000 | 6,422,000 | 9,295,000 | 12,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,424,000 | 59,985,000 | 60,139,000 | 60,519,000 |
| Total capital | 80,969,000 | 80,899,000 | 81,800,000 | 82,262,000 |
| Risk-weighted assets | 537,348,000 | 562,826,000 | 592,671,000 | 564,883,000 |