Call reports 2005
AMERICAN BANK OF SAINT PAUL — 2005
What AMERICAN BANK OF SAINT PAUL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 633,110,000 | 647,160,000 | 646,350,000 | 714,307,000 |
| Total loans | 506,509,000 | 538,207,000 | 541,133,000 | 599,278,000 |
| Allowance for loan losses | 6,537,000 | 6,525,000 | 6,465,000 | 8,401,000 |
| Securities available for sale | 41,209,000 | 27,832,000 | 27,305,000 | 30,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,306,000 | 480,661,000 | 493,284,000 | 558,329,000 |
| Interest-bearing deposits | 356,949,000 | 362,014,000 | 380,287,000 | 428,138,000 |
| Noninterest-bearing deposits | 121,357,000 | 118,647,000 | 112,997,000 | 130,191,000 |
| Equity capital | 75,032,000 | 74,450,000 | 75,742,000 | 83,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,747,000 | 18,121,000 | 27,885,000 | 42,675,000 |
| Interest expense | 2,084,000 | 4,508,000 | 7,242,000 | 11,869,000 |
| Net interest income | 6,663,000 | 13,613,000 | 20,643,000 | 30,806,000 |
| Noninterest income | 1,852,000 | 3,775,000 | 5,731,000 | 7,903,000 |
| Noninterest expense | 5,171,000 | 10,422,000 | 15,896,000 | 22,788,000 |
| Provision for loan losses | 150,000 | 600,000 | 860,000 | 2,028,000 |
| Pretax income | 3,194,000 | 6,437,000 | 9,689,000 | 13,964,000 |
| Income tax | 0 | 0 | 0 | 884,000 |
| Net income | 3,194,000 | 6,437,000 | 9,689,000 | 13,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,302,000 | 60,767,000 | 62,244,000 | 70,306,000 |
| Total capital | 82,839,000 | 82,292,000 | 83,709,000 | 93,311,000 |
| Risk-weighted assets | 566,144,000 | 584,048,000 | 582,254,000 | 640,022,000 |