Call reports 2003
SAEHAN BANK — 2003
What SAEHAN BANK 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 | 272,446,000 | 273,726,000 | 280,030,000 | 292,327,000 |
| Total loans | 195,096,000 | 206,523,000 | 210,488,000 | 234,651,000 |
| Allowance for loan losses | 3,429,000 | 3,430,000 | 3,430,000 | 3,432,000 |
| Securities available for sale | 36,852,000 | 28,557,000 | 33,527,000 | 37,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,254,000 | 246,141,000 | 251,574,000 | 257,837,000 |
| Interest-bearing deposits | 166,427,000 | 166,945,000 | 166,894,000 | 174,327,000 |
| Noninterest-bearing deposits | 78,827,000 | 79,196,000 | 84,680,000 | 83,510,000 |
| Equity capital | 25,147,000 | 25,737,000 | 26,812,000 | 27,515,000 |
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 | 3,365,000 | 6,795,000 | 10,177,000 | 13,990,000 |
| Interest expense | 983,000 | 1,931,000 | 2,837,000 | 3,698,000 |
| Net interest income | 2,382,000 | 4,864,000 | 7,340,000 | 10,292,000 |
| Noninterest income | 1,253,000 | 2,576,000 | 4,554,000 | 5,989,000 |
| Noninterest expense | 2,357,000 | 4,814,000 | 7,270,000 | 10,171,000 |
| Provision for loan losses | 31,000 | 198,000 | 238,000 | 258,000 |
| Pretax income | 1,211,000 | 2,396,000 | 4,354,000 | 5,855,000 |
| Income tax | 482,000 | 1,037,000 | 1,768,000 | 2,385,000 |
| Net income | 729,000 | 1,359,000 | 2,586,000 | 3,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,658,000 | 25,454,000 | 26,697,000 | 27,505,000 |
| Total capital | 27,386,000 | 28,308,000 | 29,631,000 | 30,693,000 |
| Risk-weighted assets | 217,487,000 | 227,702,000 | 234,178,000 | 254,699,000 |