Call reports 2004
ANCHOR BANK SAINT PAUL — 2004
What ANCHOR BANK SAINT PAUL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 49,295,000 | 45,974,000 | 51,011,000 | 50,538,000 |
| Total loans | 34,316,000 | 34,603,000 | 38,073,000 | 36,296,000 |
| Allowance for loan losses | 501,000 | 515,000 | 522,000 | 522,000 |
| Securities available for sale | 9,465,000 | 9,269,000 | 8,679,000 | 10,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,420,000 | 38,036,000 | 40,920,000 | 41,268,000 |
| Interest-bearing deposits | 25,778,000 | 24,382,000 | 27,545,000 | 28,842,000 |
| Noninterest-bearing deposits | 14,642,000 | 13,654,000 | 13,375,000 | 12,426,000 |
| Equity capital | 4,888,000 | 4,874,000 | 5,037,000 | 5,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 570,000 | 1,137,000 | 1,738,000 | 2,434,000 |
| Interest expense | 111,000 | 212,000 | 313,000 | 433,000 |
| Net interest income | 459,000 | 925,000 | 1,425,000 | 2,001,000 |
| Noninterest income | 147,000 | 333,000 | 505,000 | 651,000 |
| Noninterest expense | 437,000 | 919,000 | 1,416,000 | 1,950,000 |
| Provision for loan losses | 13,000 | 27,000 | 39,000 | 39,000 |
| Pretax income | 156,000 | 312,000 | 476,000 | 666,000 |
| Income tax | 58,000 | 114,000 | 175,000 | 246,000 |
| Net income | 98,000 | 198,000 | 301,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,770,000 | 4,869,000 | 4,972,000 | 5,088,000 |
| Total capital | 5,229,000 | 5,312,000 | 5,451,000 | 5,533,000 |
| Risk-weighted assets | 36,651,000 | 35,338,000 | 38,296,000 | 35,505,000 |