Call reports 2007
AMERICAN BANK OF SAINT PAUL — 2007
What AMERICAN BANK OF SAINT PAUL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 678,291,000 | 659,437,000 | 648,320,000 | 644,349,000 |
| Total loans | 587,115,000 | 574,068,000 | 569,105,000 | 560,480,000 |
| Allowance for loan losses | 9,791,000 | 9,317,000 | 11,142,000 | 12,264,000 |
| Securities available for sale | 21,202,000 | 18,447,000 | 17,260,000 | 14,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,113,000 | 528,760,000 | 512,096,000 | 498,511,000 |
| Interest-bearing deposits | 435,855,000 | 433,480,000 | 427,897,000 | 408,395,000 |
| Noninterest-bearing deposits | 101,258,000 | 95,280,000 | 84,199,000 | 90,116,000 |
| Equity capital | 78,478,000 | 80,056,000 | 79,477,000 | 76,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,505,000 | 22,972,000 | 33,886,000 | 44,293,000 |
| Interest expense | 4,540,000 | 9,073,000 | 13,619,000 | 18,052,000 |
| Net interest income | 6,965,000 | 13,899,000 | 20,267,000 | 26,241,000 |
| Noninterest income | 2,028,000 | 4,050,000 | 6,026,000 | 8,207,000 |
| Noninterest expense | 6,219,000 | 12,620,000 | 18,895,000 | 25,241,000 |
| Provision for loan losses | 105,000 | 805,000 | 3,405,000 | 6,500,000 |
| Pretax income | 2,669,000 | 4,524,000 | 3,993,000 | 2,707,000 |
| Income tax | 75,000 | 145,000 | 249,000 | 340,000 |
| Net income | 2,594,000 | 4,379,000 | 3,744,000 | 2,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,931,000 | 66,201,000 | 65,597,000 | 62,321,000 |
| Total capital | 84,690,000 | 73,782,000 | 73,106,000 | 69,751,000 |
| Risk-weighted assets | 618,398,000 | 604,400,000 | 596,759,000 | 589,173,000 |