Call reports 2002
ANCHOR BANK SAINT PAUL — 2002
What ANCHOR BANK SAINT PAUL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 47,780,000 | 47,197,000 | 49,461,000 | 51,312,000 |
| Total loans | 30,941,000 | 33,910,000 | 36,412,000 | 34,759,000 |
| Allowance for loan losses | 417,000 | 426,000 | 461,000 | 470,000 |
| Securities available for sale | 12,635,000 | 11,453,000 | 10,663,000 | 12,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,145,000 | 38,953,000 | 41,412,000 | 42,307,000 |
| Interest-bearing deposits | 28,990,000 | 29,941,000 | 31,617,000 | 32,178,000 |
| Noninterest-bearing deposits | 10,155,000 | 9,012,000 | 9,795,000 | 10,129,000 |
| Equity capital | 4,236,000 | 4,295,000 | 4,399,000 | 4,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 770,000 | 1,535,000 | 2,298,000 | 3,014,000 |
| Interest expense | 224,000 | 444,000 | 671,000 | 881,000 |
| Net interest income | 546,000 | 1,091,000 | 1,627,000 | 2,133,000 |
| Noninterest income | 109,000 | 196,000 | 414,000 | 547,000 |
| Noninterest expense | 400,000 | 788,000 | 1,165,000 | 1,550,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 234,000 | 457,000 | 813,000 | 1,052,000 |
| Income tax | 85,000 | 166,000 | 300,000 | 386,000 |
| Net income | 149,000 | 291,000 | 513,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,153,000 | 4,095,000 | 4,117,000 | 4,269,000 |
| Total capital | 4,566,000 | 4,521,000 | 4,578,000 | 4,733,000 |
| Risk-weighted assets | 33,055,000 | 35,579,000 | 37,069,000 | 37,090,000 |