Call reports 2005
ANCHOR BANK SAINT PAUL — 2005
What ANCHOR BANK SAINT PAUL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 55,273,000 | 58,457,000 | 57,028,000 | 58,813,000 |
| Total loans | 35,551,000 | 36,078,000 | 40,118,000 | 42,944,000 |
| Allowance for loan losses | 540,000 | 540,000 | 540,000 | 523,000 |
| Securities available for sale | 10,131,000 | 11,766,000 | 11,219,000 | 9,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,546,000 | 42,719,000 | 46,002,000 | 44,874,000 |
| Interest-bearing deposits | 29,488,000 | 28,952,000 | 30,199,000 | 30,657,000 |
| Noninterest-bearing deposits | 14,058,000 | 13,767,000 | 15,803,000 | 14,217,000 |
| Equity capital | 5,095,000 | 5,239,000 | 5,300,000 | 5,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,420,000 | 2,237,000 | 3,126,000 |
| Interest expense | 129,000 | 261,000 | 410,000 | 609,000 |
| Net interest income | 544,000 | 1,159,000 | 1,827,000 | 2,517,000 |
| Noninterest income | 115,000 | 259,000 | 417,000 | 531,000 |
| Noninterest expense | 524,000 | 1,048,000 | 1,715,000 | 2,504,000 |
| Provision for loan losses | 17,000 | 17,000 | 17,000 | 17,000 |
| Pretax income | 118,000 | 353,000 | 512,000 | 527,000 |
| Income tax | 41,000 | 129,000 | 188,000 | 187,000 |
| Net income | 77,000 | 224,000 | 324,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,113,000 | 5,207,000 | 5,306,000 | 5,319,000 |
| Total capital | 5,577,000 | 5,692,000 | 5,842,000 | 5,842,000 |
| Risk-weighted assets | 37,069,000 | 38,710,000 | 43,205,000 | 47,799,000 |