Call reports 2003
ANCHOR BANK SAINT PAUL — 2003
What ANCHOR BANK SAINT PAUL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,090,000 | 57,867,000 | 49,743,000 | 49,471,000 |
| Total loans | 35,949,000 | 41,253,000 | 34,950,000 | 35,207,000 |
| Allowance for loan losses | 498,000 | 518,000 | 489,000 | 502,000 |
| Securities available for sale | 14,255,000 | 13,418,000 | 8,900,000 | 9,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,722,000 | 43,201,000 | 41,014,000 | 41,089,000 |
| Interest-bearing deposits | 33,208,000 | 31,196,000 | 30,264,000 | 27,381,000 |
| Noninterest-bearing deposits | 10,514,000 | 12,005,000 | 10,750,000 | 13,709,000 |
| Equity capital | 4,602,000 | 4,873,000 | 4,601,000 | 4,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,413,000 | 2,056,000 | 2,655,000 |
| Interest expense | 196,000 | 379,000 | 532,000 | 665,000 |
| Net interest income | 510,000 | 1,034,000 | 1,524,000 | 1,990,000 |
| Noninterest income | 161,000 | 419,000 | 611,000 | 724,000 |
| Noninterest expense | 441,000 | 882,000 | 1,316,000 | 1,694,000 |
| Provision for loan losses | 26,000 | 54,000 | 83,000 | 92,000 |
| Pretax income | 222,000 | 535,000 | 928,000 | 1,120,000 |
| Income tax | 80,000 | 197,000 | 348,000 | 419,000 |
| Net income | 142,000 | 338,000 | 580,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,411,000 | 4,608,000 | 4,549,000 | 4,670,000 |
| Total capital | 4,881,000 | 5,126,000 | 5,019,000 | 5,138,000 |
| Risk-weighted assets | 37,558,000 | 41,864,000 | 37,603,000 | 37,470,000 |