Call reports 2008
AMERICAN BANK OF SAINT PAUL — 2008
What AMERICAN BANK OF SAINT PAUL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 612,678,000 | 629,683,000 | 673,697,000 | 667,173,000 |
| Total loans | 540,309,000 | 544,390,000 | 547,842,000 | 527,348,000 |
| Allowance for loan losses | 15,489,000 | 15,011,000 | 14,501,000 | 15,188,000 |
| Securities available for sale | 12,055,000 | 10,350,000 | 8,681,000 | 62,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 471,150,000 | 467,214,000 | 535,064,000 | 539,420,000 |
| Interest-bearing deposits | 394,980,000 | 389,910,000 | 455,997,000 | 455,959,000 |
| Noninterest-bearing deposits | 76,170,000 | 77,304,000 | 79,067,000 | 83,461,000 |
| Equity capital | 69,187,000 | 69,281,000 | 67,839,000 | 64,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,441,000 | 18,032,000 | 26,998,000 | 35,623,000 |
| Interest expense | 4,050,000 | 7,540,000 | 11,194,000 | 15,090,000 |
| Net interest income | 5,391,000 | 10,492,000 | 15,804,000 | 20,533,000 |
| Noninterest income | 2,246,000 | 4,473,000 | 6,535,000 | 8,574,000 |
| Noninterest expense | 11,230,000 | 17,842,000 | 24,493,000 | 31,113,000 |
| Provision for loan losses | 3,293,000 | 3,693,000 | 4,540,000 | 8,510,000 |
| Pretax income | -6,886,000 | -6,570,000 | -9,334,000 | -13,306,000 |
| Income tax | 107,000 | 63,000 | 91,000 | 99,000 |
| Net income | -6,993,000 | -6,633,000 | -9,425,000 | -13,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,237,000 | 55,634,000 | 54,228,000 | 50,361,000 |
| Total capital | 62,383,000 | 62,875,000 | 61,665,000 | 57,529,000 |
| Risk-weighted assets | 563,106,000 | 571,283,000 | 587,636,000 | 565,140,000 |